In what type of policy would you typically find coverage for personal items while they are being transported?

Coverage for personal items while they are being transported is typically found in an inland marine policy. This type of policy is specifically designed to protect personal property that is transported over land or is in transit, as well as property that is being stored at a temporary location. It is especially useful for items that are not fixed in one location, such as jewelry, art, tools, and equipment—covering risks such as theft, damage, or loss during transportation.

Homeowners insurance does provide some coverage for personal property, but it is generally limited to items that are located within the home and may not cover items in transit or at temporary storage sites comprehensively. General liability policies primarily cover legal liabilities for injuries or damages that you may cause to other people or their property, rather than offering protection for personal items. Automobile insurance primarily covers vehicles and may have specific provisions for personal belongings within the vehicle, but it does not cater to the broader spectrum of item transport that an inland marine policy does. Therefore, inland marine policies are the best fit for providing coverage while personal items are being moved.