Most travel insurance plans offer coverage for baggage & personal items loss. This benefit is most commonly associated with luggage, clothing or cameras. However, golf clubs can be covered as well. There is normally a per item dollar limit and a policy dollar limit with baggage & personal items loss, which may be less than the value of a set of golf clubs. Normally, this benefit is secondary coverage, meaning that a claim must first be made through any homeowners insurance or renters insurance that the traveler may have. There are travel insurance plans specifically designed to cover golf package vacations, with increased coverage for golf equipment and greens fees for canceled tee times. Always refer to the certificate of insurance for details.