If your items are temporarily* outside your insured location—for example, while you are on a trip or vacation—you are eligible for worldwide coverage for the following insured events: fire, robbery, burglary, water damage, storm, and hail.

Household contents insurance covers burglary and robbery, but it typically does not cover theft, which is often referred to as simple theft. Theft occurs when someone takes your belongings without your knowledge, such as in cases of pickpocketing.

There are, however, a few exceptions where theft is covered outside of your insured location, depending on whether you have basic or extended coverage. These exceptions include situations where your property is stolen from locked ship cabins on cruise ships, locked sleeper compartments, locked motor vehicles, or items taken while you are staying in a hospital.