Your homeowners’ insurance policy is meant to protect your possessions as long as they belong to you, irrespective of where they are. While movers have insurance that protects your items while they are handling them and physically lifting them from place to place, your homeowners’ insurance will continue to cover them, just as if they were still located inside your home. Just because the items are being moved from one home to another doesn’t mean they shouldn’t be included in your insurance policy.
Before Your Move
When you decide to move, there are many things you need to do. Taking the time to box up all of the items you don’t frequently use can take time. While you are preparing to move, it is a good idea to take a complete inventory of everything you own. This way, you can help keep your insurance provider up to date about what you have in your home. Creating a video inventory during this time is also recommended.
Your homeowners’ insurance will also remain in effect while your possessions are in transit. In transit means being moved from place to place. There are many ways to ship or move your belongings. You can choose to rent a truck and move your items on your own, or you can hire professional movers who will do all the work for you. While moving companies have insurance on their movers, they do not insure your possessions. That is your job.
There will be times when you may have to put some of your items in storage until you can find a place for them in your new home. This is especially true if you are trying to downsize. Going from a large home to a much smaller one will leave you with many items you no longer need or want. Putting things in storage is a great way to set them aside until you can properly deal with them. A good homeowners policy will keep them covered until you figure out what to do with them.
During the Packing or Moving Process
Your homeowners’ insurance will not cover any damage caused by moving professionals during the packing or physical movement of your items from your home to the truck. However, when you are the one doing the moving, the entire moving process will be covered. Likewise, when you hire professional movers, your items will be covered. It depends on what stage of the move is being performed when determining whose insurance will provide coverage.
Moving to a new home is an exciting adventure, nonetheless moving your possessions from place to place can be a daunting chore. If you need help with your homeowners’ insurance or looking to get started on personalized coverage, contact our experts at Scautub Agency today. We will ensure that all your belongings are covered, whether they be at your home or in transit.