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Submitted by: Josie K Anderson

Your personal possessions will usually be covered as part of your home insurance whilst you re staying in a hotel. Nevertheless, if your personal belongings are taken from an unlocked hotel room, they will not usually be financially protected by your home insurance plan.

Home insurance can protect your personal belongings from theft or loss at home and even whilst you are staying in a hotel. Some home insurance companies may even protect your personal possessions anywhere in the world. However, if your belongings are taken from an unlocked hotel room, you may find that your insurance policy will not offer you any compensation.

Personal possessions are classed as valuables, money and personal effects which belong to, or for which you or your family are legally responsible and are used mainly for private purposes. This may include personal effects which you wear or carry around with you (including clothes, MP3 players, mobile phones, sports equipment or pedal cycles) or valuables (including costume jewellery, gold, silver or other precious metals, cameras, camcorders and digital cameras, watches, paintings and other works of art). Money may also be protected, but a limit usually applies for cash, credit cards and unspecified articles.

You can take certain precautions whilst staying in a hotel room to prevent theft in the first place. You should always lock your hotel room door, even whilst you are in the room and especially whilst you re sleeping. You can also use the individual safe in a hotel room, or give your valuables to reception staff at the hotel if your room does not have a safe. You should also not leave any valuables out in plain sight in the hotel room; this is especially true for cash which could be mistaken as a tip for the hotel staff.

If you re going away for an extended period of time, you may want to consider holiday insurance to protect your belongings more comprehensively. Home insurance can protect your personal belongings up to a point, but it is always better to be fully insured against theft or loss. Your home insurance should be able to protect your precious belongings both at home and whilst you are away but you should always take as many precautions as possible to prevent theft from happening in the first place. Locking your hotel door is just the first step.

About John Lewis Insurance:

Since Greenbee launched four years ago, we ve provided insurance with the same high standards of service and value for money that you d expect from John Lewis, so we ve decided to change our name to John Lewis Insurance. As we evolve, we ll continue to offer our customers exceptional products and service.

We believe that everything we do should be straightforward, great value and come with an extra level of service that s always reassuring. Which is why our Home Insurance includes accidental damage as standard. And faithful friends will be pleased to know that our Pet Insurance includes older dogs.

We all know that it makes a lot of sense to buy the important things from someone you trust. In fact, you ll find that all the products and services offered from John Lewis Insurance are exactly what you would expect from the John Lewis Partnership.

About the Author: John Lewis Insurance offers a range of insurance services selected by the John Lewis Partnership. These include car, life, travel, wedding, event, pet, home and second home insurance (

johnlewis-insurance.com/homepage/home-insurance.html

) products.

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