We cover personal property owned or used by you anywhere in the world, up to the stated policy limit. So travel all you like and sleep easy knowing you are covered with homeowners insurance through AAA.
Your homeowners personal liability insurance would apply to you in this situation because you were on a golf course. You would be covered for the injuries arising from the accident, but the golf cart itself would not be covered for damage.
Protection against damage caused by floods and earthquakes is excluded from most standard policies. However, if your property is located in a community that participates in the National Flood Insurance Program, you can purchase separate flood coverage through AAA. Earthquake coverage can also be purchased through your AAA Insurance representative. California State Automobile Association (CSAA), a AAA Member organization, offers earthquake insurance products underwritten by various insurance companies and government agencies.
Water damage to your personal property caused by burst pipes is covered. For example, if the plumbing in your kitchen fails and water floods throughout your home, damage caused by the water would be covered. However, damage from flooding or other causes of loss that are specifically excluded may not be covered. These exclusions are listed in your policy. Separate flood insurance can be purchased to cover damage caused by natural floods.
With your AAA Home Insurance policy, your liability coverage automatically extends to vacant, unimproved land at no additional charge.
Most standard homeowners policies will pay up to 5% of your personal property limit if your home becomes uninhabitable due to flood damage. This coverage should never be viewed as a substitute for a separate flood insurance policy, as it would not provide adequate protection if a flood destroyed your home. Ask your AAA Insurance representative if this coverage is available in your state.
Most standard homeowners insurance plans provide coverage for lost food, up to a limit specified in the policy.
One of the most accurate ways to determine the value of your household goods and personal belongings is to create an inventory list and estimate what the items on it are worth. Your AAA Insurance representative can provide you with a Personal Property Inventory form to help guide you through the process. It's also a good idea to photograph or videotape each room, then keep a copy of the photos or videotape with the inventory list in a safe deposit box or other secure place outside your home. If you ever need to submit a claim, you won't have to rely on your memory to list what you had and how much it was worth.
Your jewelry is covered up to a specified limit as stated in your policy. If you own high-valued jewelry, you should consider purchasing separate coverage for these items. Your AAA Insurance representative may refer to this as "scheduling your valuables." A jewelry appraisal is typically required to purchase this enhanced coverage.
Most standard insurance policies assign special limits to certain personal property items. Valuables which often have special limits include cash and coins, jewelry, furs and silverware. At AAA, your valuables are subject to a specified limit as defined by your policy. If you own high-valued items you may want to consider purchasing separate coverage to ensure you are adequately protected. It's also a good idea to make an inventory of the contents of your home, and to have your valuables professionally appraised.
Coverage for loss of rental income is provided when your property can no longer be occupied due to a covered loss. You'll receive up to 20% of the amount of coverage on the dwelling.
Protection against damage caused by floods and earthquakes is excluded from most standard policies. However, if your property is located in a community that participates in the National Flood Insurance Program, you can purchase separate flood coverage through AAA. In California, earthquake coverage is offered by AAA through a program with the California Earthquake Authority (CEA). In Nevada earthquake coverage is available by endorsement to the policy with several deductibles.
Furnishings and appliances located at the rental property are automatically covered up to 5% of the amount of coverage on the dwelling or $5,000, whichever is greater. Any personal property kept at the rental property which is incidental to the property's use is insured for direct physical loss caused by the perils listed in your policy.