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Jacob Street International Renters Insurance

No matter where you go in the world, Jacob Street Belongings & Liability Insurance has you and your belongings covered. Not only does it protect you against losses to tangible property, it also automatically provides insurance against worldwide personal liability exposures. It can even cover you and your family against political risk, particularly important in countries where instability is a concern.


Personal Property

Worldwide coverage under an infinite array of scenarios: at your residence, while on vacation, while traveling for business and even for students away from home.

Coverage is "All-Risk" including theft and mysterious disappearance.

  • Antiques Fine arts and paintings are covered.
  • All property is insured at "Full Replacement Cost" with the exception of items which by their inherent nature cannot be replaced.


Valuable Articles

  • Valuable articles are covered worldwide on an "All-Risk" basis, including breakage of fragile items.
  • Valuable Articles categories include jewelry, furs, cameras, silverware and even golfer's equipment.
  • All items are covered on an "Agreed-Value Basis", so that following a total loss we pay the amount that the item was insured for.
  • With regards to jewelry, watches, furs, cameras and musical instruments, newly acquired items are insured during the first 60 days stated on the schedule for such classes of business or $10,000.


Political Risk

  • Coverage insures your personal property and valuable articles for the additional perils of war, insurrection, expropriation, sabotage or terrorism.
  • Coverage is highly recommended in today's often-turbulent political environment.
  • This insurance covers your personal property and valuable articles against war, insurrection, unlawful expropriation, sabotage or terrorism; highly recommends this coverage in today's turbulent global environment.


Loss Examples for International Belongings and Liability Insurance

The following are actual examples of events covered by XN Global® Belongings & Liability Insurance, which could affect you and your family.

  • While you are residing in India, thieves enter your leased apartment making off with all your electronic equipment and vandalizing your home. This insurance program would reimburse as follows:

The cost to replace your electronic equipment, using current market values. If necessary, the cost of importing replacement equipment from an overseas vendor; including tariffs and duties. If your lease agreement holds you responsible for building damages, we would pay the cost of making good all vandalized areas of your dwelling.

  • During lunch in Paris you notice your watch is missing. This insurance program could reimburse you in two different ways:

If your watch were specifically insured, we would pay the limit of coverage on your Valuable Articles endorsement and the standard $200 deductible amount would not apply.

  • While you are living temporarily overseas, your child, attending university in your country of origin, has her apartment broken into. Among the stolen items is a laptop computer. This insurance program would indemnify you as follows:

Payment of the full value of the laptop computer and other lost items, without deduction for depreciation.

  • While at your condominium in Brazil, your residence employee accidentally slips on your kitchen floor, causing injuries requiring medical treatment.

XN Global® will pay up to $25,000 for any necessary medical expenses incurred by your residence employee.

  • While living at your apartment in Germany, your spouse is involved in an automobile accident leaving a person paralyzed for life.

If you had purchased Personal Excess Liability, XN Global® Belongings & Liability Insurance would respond if a lawsuit were brought against your spouse. If our defense was unsuccessful and the court awarded damages to the plaintiff, we would pay up to the limit of liability purchased. Defense costs are over and above the policy limit.

  • While you are living temporarily in Sudan, the government unilaterally seizes the property of all foreign nationals. You are asked to leave the country with little more than a suitcase. You estimate your loss for abandoned belongings at $100,000.

If you have Personal Property limits of $100,000 and Political Risk Insurance, this insurance program will fully reimburse your loss without any deduction for depreciation.

  • While you are in Japan, an earthquake damages several antique pieces of furniture.

This insurance program would indemnify you up to the Personal Property limits specified on your policy.

  • High water from a flood in Taiwan damages the carpet and personal belongings in an insured's home.

XN Global® Belongings & Liability Insurance covers damages related to floods.

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