Visa has a program that applies to all of its business cards and some lines of its personal cards to protect you if your purchases are stolen or damaged. Visa does not cover lost items. Visa will replace or repair damaged items and will replace stolen items if they were purchased entirely with your card. The loss must occur within 90 days of the purchase to be eligible for repair or reimbursement. Your goods are covered for up to $500 per claim. If the goods are damaged, it must be due to fire, vandalism, accidentally discharged water or certain weather conditions, at a benefit administrator's discretion. Not all card issuers offer all coverages; Visa suggests you check the terms and conditions of your issuer.