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  1. I am seeking information on what other organizations do regarding insurance on private personal property. The Department of State’s 14 FAM 641 Policy on Private Insurance by Employees, encourages employees to carry their own private insurance to offset damages or losses not covered by the agency which only covers the depreciable costs of items damaged during a move. Additionally, the Military Personnel and Civilian Employees’ Claims Act of 1964 will significantly depreciate the value of most effects and reimburse no more than $40,000, unless it was an emergency evacuation or extraordinary circumstance (of which reimbursement may increase up to $100,000).
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