Personal belongings such as cameras and laptops are typically covered under your policy, not your travel insurance policy. Home insurance protects your belongings even when you’re away from home, such as when you’re on vacation. Give your home insurance provider a call prior to departure to confirm your valuables are covered. The exception to this is if an airline were to lose your luggage in transit. In this case, your travel insurance would cover your belongings if you purchased lost baggage coverage.