The simple answer is yes: your property is covered by your insurance policy, but only up to a certain dollar amount. Even within the same policy, coverage can vary depending on the item. For example, the amount of coverage that a policy extends to electronics might be different than the coverage you’ll get for sports equipment Keep in mind that there are often specific items that insurance companies won’t cover. Make sure to check what these items are with your insurance provider. If you didn’t get travel insurance and your items are stolen, it becomes more challenging, but not impossible, to get reimbursed. If your belongings were stolen at a hotel, and it can be proven that the hotel was at fault, the establishment will compensate you up to a certain amount. If items are missing from your checked-in luggage after a flight, most airlines will allow you to file a claim with them.