Baggage insurance

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Baggage insurance is included in most comprehensive policies, but it's rare to buy it separately. Baggage insurance puts a strict cap on reimbursement for such items as jewelry, eyewear, electronics, and photographic equipment — read the fine print. If you check your baggage for a flight, it's already covered by the airline (generally with a cap of $600–3,000 — if you have particularly valuable luggage, you can buy supplemental "excess valuation" insurance directly from the airline). Homeowners' insurance (with the "floater" supplement, if necessary, to cover you out of the country) is cheaper, and you'll have coverage even after your trip. Travelers' baggage insurance will cover the deductibles and items excluded from your homeowners' policy. Double-check the particulars with your agent. If your policy doesn't cover railpasses, consider buying the $10–17 insurance deal sold with the pass.