What is a common property class excluded under Personal Inland Marine Insurance for tourists?

In Personal Inland Marine Insurance, which is designed to cover movable property and often caters to personal items that are taken away from the primary residence, there are specific exclusions that apply to certain types of property. One common exclusion is property that is typically carried by tourists. This category often includes items like luggage, cameras, sports equipment, and other personal belongings that travelers frequently take with them on trips.

The rationale behind this exclusion is that typical property policies should cover these items in most situations. Additionally, other travel insurance products are available that specifically cater to tourists, including coverage for lost or damaged belongings while away from home. As such, Personal Inland Marine Insurance does not blanketly cover these typical tourist items, thus leading to this classification as excluded.

Items considered in other categories, such as personal items within the home or items undergoing repairs, are often addressed by different policies or coverages that specifically cater to such exclusions. Similarly, uninsured vehicles would fall outside the perimeter of a Personal Inland Marine policy, which is more focused on personal property rather than vehicles or associated liabilities. Hence, the nature of the coverage and its typical exclusions provide clarity as to why property categories commonly associated with tourists are specifically excluded.