{"id":3229,"date":"2014-11-02T15:23:01","date_gmt":"2014-11-02T20:23:01","guid":{"rendered":"http:\/\/www.noyeshallallen.com\/?p=3229"},"modified":"2017-11-09T08:50:16","modified_gmt":"2017-11-09T14:50:16","slug":"does-maine-homeowners-insurance-cover-stuff-away-from-home","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/does-maine-homeowners-insurance-cover-stuff-away-from-home\/","title":{"rendered":"Does Maine Homeowners Insurance Cover Stuff Away from Home?"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>Clients often ask if their homeowners insurance covers their belongings when they&#8217;re away from home. Here are 3 recent email inquiries with common scenarios:<\/p>\n<ul>\n<li>I have removed some furniture and other items that were at my condo and am storing them at a warehouse.\u00a0 Is my stuff is covered under my condo insurance, or do I need to insure the stuff through the company that is storing the items?<\/li>\n<li>I\u2019ve rented a self-storage unit for some of items that I don&#8217;t have room for in the garage. Are these items covered while they\u2019re in storage?<\/li>\n<li>I\u2019ll be renting a condo in Florida for the month of March. Are my belongings covered when I\u2019m away from home?<\/li>\n<\/ul>\n<p>This infographic spells out the coverage found in most <a title=\"Greater Portland Maine Homeowners Insurance | Noyes Hall &amp; Allen\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/homeowners-insurance\/\">Maine homeowners insurance <\/a>policies. Your coverage may differ, so check with your <a title=\"Noyes Hall &amp; Allen Insurance | South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\">Maine insurance agency<\/a>.<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2014\/11\/Off-Premises-Coverage.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-3230\" alt=\"Off Premises Homeowners Coverage\" src=\"https:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2014\/11\/Off-Premises-Coverage-682x1024.png\" width=\"546\" height=\"819\" \/><\/a><\/p>\n<p style=\"text-align: left;\">In general, your belongings are covered to 100% of your Personal Property (Coverage C) limit on your Maine condominium, renters or homeowners policy. It doesn&#8217;t matter where they&#8217;re located, anywhere in the world.<\/p>\n<p style=\"text-align: left;\">The only exception is if they&#8217;re at a residence of yours other than the one listed on your policy. Then, it&#8217;s only covered to 10% of your Personal Property limit, or $10,000, whichever is LESS. Presumably, the personal property at that residence would be covered by another homeowners, renters or condo policy.<\/p>\n<p style=\"text-align: left;\">Keep in mind that certain types of property, such as jewelry and silver, have limited coverage on most policies. Talk to your agent about <a title=\"Does Maine homeowners insurance cover jewelry? | Noyes Hall &amp; Allen Insurance | South Portland\" href=\"http:\/\/www.noyeshallallen.com\/does-homeowners-insurance-cover-jewelry\/\">insuring jewelry on a homeowners policy<\/a>.<\/p>\n<p style=\"text-align: left;\">If you need insurance in Greater Portland Maine, contact <a title=\"Noyes Hall &amp; Allen Insurance | South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\">Noyes Hall &amp; Allen Insurance in South Portland<\/a>\u00a0at 207-799-5541.We&#8217;re independent and committed to you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Clients often ask if their homeowners insurance covers their belongings when they&#8217;re away from home. Here are 3 recent email inquiries with common scenarios: I have removed some furniture and other items that were at my condo and am storing them at a warehouse.\u00a0 Is my stuff is covered under my condo insurance, or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,13,15,20],"tags":[51,49,7,40],"class_list":["post-3229","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","category-homeowners-insurance","category-renters-insurance","category-travel","tag-condos","tag-jewelry","tag-living-in-maine","tag-vacation"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/3229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=3229"}],"version-history":[{"count":1,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/3229\/revisions"}],"predecessor-version":[{"id":4649,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/3229\/revisions\/4649"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=3229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=3229"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=3229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}