What type of insurance typically covers personal belongings while traveling?

Renters insurance or homeowners insurance typically covers personal belongings while traveling due to the provision of off-premises coverage. This means that the policy extends protection to personal property even when it is not located at the insured's residence. For instance, if personal items are stolen or damaged while the insured is traveling, renters or homeowners insurance can help reimburse the insured for the loss subject to the policy’s limits and deductibles.

On the other hand, health insurance primarily covers medical expenses, auto insurance focuses on vehicle-related incidents, and term life insurance provides financial protection in the event of the insured's death. None of these options address the coverage of personal belongings during travel.