Standard commercial auto policies include the U.S., Puerto Rico, and Canada.
Insurance for driving in Mexico, for example, must be bought in that country or as a rider to a standard U.S. policy. Auto policies for private vehicles are worldwide with certain stipulations.
Workers’ compensation insurance applies to the state it’s purchased in and the laws that that state created.
Some workers’ compensation insurance does extend to employees who are traveling in other states and overseas on a temporary basis.
Homeowners insurance is tied to the property insured but certain theft and liability coverage can extend to the location of the policyholder in another state or country, but only under certain, limited circumstances.
Most health insurance policies cover any health issues that occur worldwide.
For example, if you have a health insurance policy from a U.S. insurer but break your leg skiing in France and have to go to the hospital, your health insurance policy will most likely cover that.
