Check out with the owner or renter of your home to see if your belongings are already covered by his insurance policy
. By doing so you will save a substantial amount on insurance that you would have paid for the extra baggage. There is some free coverage which most travel agents will give you whenever you buy a plane ticket.In the case of some of the policies there is a cover for the risk of the tour operator going bankrupt. There isn't a remedy for a policy that has been taken directly from a tour operator who goes bankrupt.