International Personal Property Insurance

Our Foreign Service International Personal Property Insurance Plan is designed to provide comprehensive personal property coverage to those who represent our country abroad. We offer complete replacement (new for old) protection of personal effects while at post, in transit and in storage. Coverage includes worldwide personal liability insurance as well as broad property coverage such as flood, earthquake, riot and theft.
Below, please find the full coverage details:

International Personal Property Insurance

Coverage Details

Designed for Foreign Service Members Stationed Abroad

Originally developed exclusively for members of the American Foreign Service Association (AFSA), our International Personal Property Insurance Plan is available to Foreign Service Officers, embassy employees, consuls, diplomats, ambassadors and employees of the State Department who are stationed abroad.

Broad, Worldwide Coverage

Our International Personal Property Insurance Plan offers broad, worldwide coverage for damage from aircraft, automobiles, build collapse, explosions, fire, natural disasters (earthquake, flood, lightning, rain, wind), theft, riots, and vandalism.


Our International Personal Property Insurance Plan covers property at post outside the US, and property in storage anywhere in the world.

Optional International Transit Coverage

Our International Transit Option covers property in international transit anywhere in the world, including while in temporary storage along the way or awaiting delivery.

Optional Valuable Articles Coverage

Need coverage for jewelry, furs, silverware, fine arts or other collectibles? Worried about breakage? Valuable Articles are easy to schedule with international transit coverage automatically included and no deductible.

Built In Personal Liability Insurance

Our International Personal Property Insurance Plan automatically includes $500,000 of professional liability coverage for additional peace
of mind.

Optional Excess Insurance, Including Home, Auto and Watercraft

As part of our International Personal Property Insurance Plan, you may add Excess Insurance. We provide you with the option to choose between $1MM, $3MM and $5MM limits for Personal Excess coverage over the Personal Liability coverage.

The coverage applies over auto if you carry automobile limits of $100,000 each person, $300,000 each accident Bodily Injury and $100,000 Property Damage Liability coverage limits, and over watercraft if you carry $100,000 combined Bodily Injury and Property Damage limit of liability.

Flexible and Affordable

Minimum coverage amount is $5,000 unscheduled personal property for only $100 annual premium. Choose higher deductibles from $250 to $2,500 to save money.

Replacement Cost

Claims for personal property are settled on the current replacement cost of the lost or damaged personal property, not the actual cash value or original cost.

Underwritten by Chubb, an A.M. Best “A+” Rated US Insurance Company

Our Foreign Service International Personal Property Insurance Plans are underwritten by Chubb, an A.M Best “A+” rated insurer. Plans written in English and claims adjusted in US dollars.