Home, renters, and condo insurance policies generally won’t cover items lost “off-premises” unless the lost belongings were explicitly added as a rider to your policy. You may still be covered for property stolen if it occurs away from home. If you take a trip and your luggage is stolen while in transit, your personal property coverage may pay to replace your luggage up to your policy’s limits, minus your deductible. Note that personal property coverage for items in storage facilities or other residences is typically capped at 10% of your personal property coverage limit. Travel insurance, depending on your plan, may cover lost luggage up to certain limits.