Personal Insurance and Foreign Travel
This time of year Insurance Agents get calls, “I am going to “St. John” (or other locale) on vacation. Am I (the client) insured for THIS foreign travel?” If this happens in your agency, the ISO Homeowners territory is worldwide, YOU NEED TO CHECK THE UMBRELLA OR EXCESS COVERAGE TERRITORY, and the ISO auto policy insures in the “US, Territories, possessions and Canada. What ARE the US Possessions? Here is a quick, unverified, list for reference purposes.
The Commonwealth of Puerto Rico
Guam
The U.S. Virgin Islands
American Samoa
The Commonwealth of the Northern Mariana
Islands (CNMI)
The Midway Islands
Wake Island
Kingman Reef
Navassa Island
Johnston Atoll (an atoll is a coral island)
Palmyra Atoll
Baker, Howland and Jarvis Islands
end of list
If you use Insurers who use non ISO forms you will need to check the company’s form.
