Does Homeowners Insurance Cover Theft On Vacation? 
Yes it does . Be sure to discuss your policy coverage with your Insurance Professional before your trip , but in most cases , your personal property will be coveredwhile you are enjoying your vacation . The amount of total coverage may vary but in general , it is 10 % of the stated Personal Property amount listed in your current policy contract . Any loss would be subject to your deductible , of course , and your advisor may point out that certain classes of property like cameras , jewelry etc may have limitations . Insuring your higher value items specifically either as a rider or on a separate policy can eliminate any coverage limitations and actually provide more comprehensive coverage so it would be a good idea to include that in your discussion with your insurance professional as well . 