Insurance Products

Personal Property Protection

No matter where you go in the world, our Belongings & Liability Insurance has you and your belongings covered. Not only do we insure you against losses to tangible property, we also provide insurance against personal liability exposures. We can even cover you and your family against political risk, particularly important in countries where instability is a problem.

Personal Property

• We provide worldwide coverage under an infinite array of scenarios: at your residence, while on vacation, while traveling for business and even for students away from home.
• Coverage is "All-Risk" including theft and mysterious disappearance.
• Antiques Fine arts and paintings are covered.
• All property is insured at "Full Replacement Cost" with the exception of items which by their inherent nature cannot be replaced.

Valuable Articles

• Valuable articles are covered worldwide on an "All-Risk" basis, including breakage of fragile items.
• Valuable Articles categories include jewelry, furs, cameras, silverware and even golfer's equipment.
• All items are covered on an "Agreed-Value Basis", so that following a total loss we pay the amount that the item was insured for.

Political Risk

• Coverage insures your personal property and valuable articles for the additional perils of war, insurrection, expropriation, sabotage or terrorism.
• Coverage is highly recommended in today's often-turbulent political environment.
• This insurance covers your personal property and valuable articles against war, insurrection, unlawful expropriation, sabotage or terrorism. We highly recommend this coverage in today's turbulent global environment.

Personal Liability

• This coverage is worldwide and protects you and your family against law suits resulting from unintentional bodily injury, personal injury, or property damage. Defense costs are included.
• This policy covers "Neighbors and Tenants Liability", thus providing protection against any third party damages for which you may be held liable.
• Included in our insurance are medical payments to others, coverage against bodily injury caused unintentionally to a third party by you or a family member. We will pay up to $25,000 per injured person, this is in addition to any legal liability.
• For the unauthorized use of credit cards and loss caused by forgery or the acceptance of counterfeit money.

Personal Excess Liability

• Coverage applies anywhere in the world after all primary liability insurance limits have been exhausted.
• Coverage will pay for legal defense costs (when applicable) from the first dollar.
• Where local statutes prohibit the insurer from defending the insured, the insurance carrier will cover reimbursements for legal defence costs incurred.

Benefits For Expatriates

• Fast and convenient online processing through an XN-secured web site.
• Multiple communications options. You may report losses directly to us through our website, via fax, by regular mail or by dialing our toll-free telephone number.
• A highly competent and professional worldwide claims handling network accessible on a 24 hour, 7-day-per-week basis.
• The XN Global Service Center is dedicated to providing quick and accurate administrative support.

XN Global Belongings & Liability Insurance provides peace of mind and a "hassle-free" way of doing business for expatriates during their foreign assignments.