Many travel insurance policies offer the benefit of personal items and baggage lost. This coverage provides reimbursement for lost, stolen or damaged baggage or personal items. It usually covers the entire trip, not just the flights. Most policies set an overall dollar limit, as well as a per item limit. If there have items valued over $1000 it is best to have these items “scheduled” on your home-owners policy. There may also be specific items excluded from baggage and personal items loss, such as computers, telephones, animals and credit cards. Always refer to the certificates of insurance for details.