Navigating insurance coverage during a move doesn’t have to be complicated. With a little preparation before, during, and after your move, you can make sure your belongings are protected every step of the way. Here are six steps to follow.
Before the Move
1. Check What Your Current Policy Covers
Homeowners and renters insurance policies generally cover your belongings while they’re in your residence, and some policies extend to accidents that happen during a move. Call your insurance company before moving day to find out exactly what’s covered. Ask specifically whether theft, damage in transit, or broken items are included, and whether you need additional coverage for the move itself.
If your existing policy falls short, third-party moving insurance is worth looking into. It adds to your overall moving cost, but the peace of mind is often worth it.
2. Shop Around for Insurance on Your New Property
A move is a natural opportunity to compare insurance providers and make sure you’re getting the best coverage for your new home. If you’re moving out of state, your current provider may not even operate there, which makes shopping around a necessity rather than just a good idea.
Whatever you decide, make sure your new property is covered from the day you move in. Inform your provider of your move-in date and new address, specify whether you’re owning or renting, and confirm you’re protected against vandalism, break-ins, flooding, and any natural disasters relevant to your new area.
During the Move
3. Take Inventory of Your Belongings
As you pack, keep a running list of everything you’re moving. There are several apps that make this easier. A thorough inventory helps you track items, evaluate any damage that occurs during transit, and support any claims you might need to file afterward. For high-value items, include photos documenting their condition before the move.
4. Use a Licensed and Insured Moving Company
Hiring a professional moving company isn’t just about convenience. Licensed movers are subject to federal and state regulations that require them to offer coverage for your belongings during the move. Many companies also offer additional coverage options beyond what’s legally required. Ask about what’s included before you book.
After the Move
5. Check Your Items Against Your Inventory
As you unpack, compare everything against the inventory you created before the move. If anything is damaged or missing, file a claim promptly with the company that covered your move and document the damage thoroughly. Don’t put it off. Claims filed soon after a move are more likely to be resolved in your favor than those filed months later.
6. Don’t Forget About Car Insurance
If you’re moving within the same state, you just need to update your address with your provider. If you’re moving out of state, you’ll need to register your vehicle in the new state and update your policy accordingly. Most states give you 30 to 90 days to complete the registration, but make sure your old policy stays active until your new one is in place. If you’re staying with the same insurer, ask your agent how the move affects your coverage since state laws vary.
Move With Confidence
At You Move Me, we’re a fully licensed and insured moving company that takes the safety of your belongings seriously. From accurate estimates to trained, certified movers, we make sure your move is protected every step of the way.