Yes. A standard policy covers your personal property “off-premises” anywhere in the world — in your car, on vacation, at work, or at college (for dependent students). A few things to know:

• Off-premises limits are usually 10% of your personal-property coverage. If you have $100,000 personal property, you have $10,000 off-premises. High-value laptops, cameras, and jewelry often exceed this.
• Theft from a vehicle is generally covered, but auto-related items (custom audio, permanent in-vehicle equipment) may need to be on the auto policy.
• High-value scheduled items — engagement ring, art, musical instruments — follow you anywhere with their own scheduled coverage and often no deductible.

If you travel often or own valuables, ask us about a personal articles policy for broader coverage.