Does my homeowner policy cover my possessions when they are not in my house?

A standard homeowner policy provides coverage equal to 10% of the limit for Coverage C of a homeowner policy or $1,000, whichever is greater. This coverage is useful for protecting you while traveling and for other temporary situations. If you have property in excess of these amounts away from home or property that is kept away from your residence premises for extended periods, you should consider additional protection.

The 10% limitation for household property, is for property at an Insureds Residence Premise......There is no limitation for property carried on vacation or stored in a storage unit. (except whatever the contents limit is on the property)


Birmingham Office
2073 Valleydale Road
Birmingham, Alabama 35244
Phone: (205) 988-3444
Fax: (205) 988-4405
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Pell City Office
1607 South Martin Street
Suite 4

Pell City, Alabama 35128
Phone: (205) 884-3444
Fax: (205) 884-2290
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Hueytown Office
2007 High School Rd
Hueytown, Alabama 35023
Phone: (205) 491-3456
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