How to Insure Your Move

Insuring your personal possessions as you move.movers loading boxes off the moving truck

If you are preparing to move, then you are probably worried about your possessions being damaged or lost.  This is why you may be looking into your personal possession insurance options.  Here are some of the coverage options that you should consider.

  • Home Insurance and Your Personal Possessions

Most homeowners are aware that their homeowners insurance provides coverage for their personal belongings.  However, what you may not know is that your home policy provides coverage for your possessions even while they are in transit or temporary storage.  This means that your belongings are covered during a move.

However, this coverage is subject to certain limits.  For instance, if you hire a professional moving company to handle your move, then you will have less personal possession insurance.  To secure the coverage that you need, you may have to purchase additional endorsements from your home insurer.

  • Securing Additional Coverage for Your Move

If you want to get extra coverage for your move, you can get a trip transit policy or endorsement from your home insurance provider.  This form of insurance offers coverage for your belongings during a specific transit event.  This policy extends full property coverage to your personal possessions, except if the damage is caused by movers.  Every insurance provider has their own specifications for this type of insurance, so speak to your provider to learn the specifics of their coverage offerings.

  • Coverage from Your New Home Policy

If you have secured a homeowners insurance policy for your new home, you should not expect it to offer you any coverage until you officially move into your new home.  To avoid this coverage gap, you should maintain your current policy until you are done with the move.  Once you are settled in your new home, then you can cancel your old policy and allow the new one to take over.

This is what you need to know about securing insurance during your move.  Do you need help with your home insurance needs?  If so, then contact the experts at Desert Empire Insurance.  We are ready to assist you with all your insurance needs today.