International Personal Property Insurance
Frequently Asked Questions
Who is eligible for the International Personal Property Insurance Policy?
This specially designed insurance program is available to Foreign Service Officers assigned overseas.
Why do I need an International Personal Property Plan? Aren’t I protected under the Claims Act?
The government recommends the purchase of private insurance for personal effects while you are abroad.
Compensation for losses under the Claims Act has proven unsatisfactory essentially due to limitations in coverage, amounts, and method of valuation under the government program.
Why should I schedule certain valuable articles?
In the event of loss, coverage for unscheduled jewelry, watches, and furs is limited to $1,000 per occurrence. This is intended to provide coverage for miscellaneous items. You should schedule specific jewelry, watches, and firs if you have more than this amount.
Also, for all especially valuable articles, the valuable articles coverage significantly broader – including Transit Coverage, and loss caused by flood, earthquake, pets, and breakage of fragile fine arts.
Under this section, you will automatically be paid the amount for which the item is scheduled in the event of loss. There is no deductible.
What can be scheduled?
Most valuable articles of more than $100 value not subject to normal depreciation (including jewelry, fine arts, antiques, furs, cameras, musical instruments, silverware, golfer’s equipment, postage stamps, rare and current coins, and electronic equipment).
How do I determine the value of my personal property?
The best method is to make a complete item-by-item inventory of all of your belongings. In this way, you will lessen the possibility that you will make incorrect estimates and purchase inadequate coverage. Calculate the value of each item or group of items based on current replacement cost (what it would cost to replace the item with another of like kind and quality).
You should insure your personal property to its full replacement value.
What happens if I transfer to another overseas post?
There is no change in coverage, nor premiums. For mailing purposes, you should advise the Hirshorn Company of your new address as soon as possible. Click here to fill out our Contact Form.
Reminder: It your move involves international transit, you may wish to purchase Transit protection for this shipment. Please supply the Hirshorn Company with information regarding your move to arrange coverage. Click here to fill out our Contact Form.
What happens if I return to the United States?
Your coverage will remain in force until such time as you have established permanent residence in the United States. A pro-rata return premium will be refunded for unearned premium paid after one full year of coverage. The transit premium is not refundable.
Reminder: If your move involves international transit, you may wish to purchase the Transit protection for this shipment. Please supply the Hirshorn Company with information regarding your move to arrange coverage. Click here to fill out our Contact Form.
Must I purchase insurance under all sections the International Personal Property Insurance Policy?
No, only Personal Effects coverage is required in a minimum amount of $5,000. This automatically makes you eligible to purchase the other options.
How do I renew my coverage?
The Hirshorn Company will contact you in advance of expiration to allow you to arrange renewal. You need only pay online or return your payment check prior to the date of expiration to continue all coverages in force.
Can I purchase insurance only for my Valuable Articles or only for Transit coverage?
No. These options are available only as additions to International Personal Property coverage.
Please Note: You will receive your own policy. The policy, not the descriptive brochure, will form the contract between you and the insurance company. For complete provisions and exclusions, please refer to the policy itself, a copy of which is available on request.
To arrange coverage, please complete the online application.