Moving? How To Move Your Insurance Coverage

The Insurance Coverage Your Move Needs

Moving is always a little stressful, but it will only be more anxiety-causing if something gets damaged during the move. In that case, would your homeowners insurance cover the damages? So that you can rest easy during your move knowing your belongings are covered even while they are in transit between your old place and your new home, read this guide.

  • Create A Home Inventory: Sometimes boxes will go missing during the move. So you can keep an eye on your belongings, create a home inventory of all of your possessions before you move. Document their value whenever possible to make filing a claim easier should the need arise.
  • Talk To Your Insurer: There is a chance your homeowners or renters insurance policy will cover your personal property while it is in transit or in storage. Generally, this coverage will be based off of actual cash value. If you want more protection for your possessions—particularly your more valuable belongings—ask about a floater or rider.
  • Understand Covered Causes: In most cases, the same covered causes (e.g. fire, theft, storm) will apply when moving as when you are settled in your new house. Check to see if damage caused by your movers is covered.
  • Ask About Your Mover’s Coverage: Most moving companies will have some type of insurance. Ask about the details, though, as oftentimes the coverage is based on weight, meaning you would get a minimal reimbursement for pricey but lightweight technology that gets dropped.

You have enough to worry about with your upcoming move. Why not let the experts handle your New York insurance needs? To protect your move, contact DG&M Agency in Rochester. Our expert team is here to put the perfect coverage in place to give you peace of mind during your upcoming move. Do not leave your stuff exposed without insurance; call us today!