In most cases, housing coverage will protect your personal belongings if they break during a move, both on the road and when you reach an insured person. Most insurance policies for renters and homeowners don't usually cover the cost of possessions damaged or lost due to a move.
Since moving leaves your belongings exposed to a variety of potential problems, it might be worth taking a look at moving insurance.You may want to consult your insurance company to detail your current policy and ensure that your coverage is sufficient for your move and understand your options. Your homeowners policy may or may not cover your belongings during a move or when they are in the moving truck.
In that case, weather conditions are more likely to damage your belongings; a moving insurance policy can give you peace of mind. If you decide to purchase additional moving insurance through the moving company or a third-party provider, be sure to get the details of the coverage in writing and that you understand what it covers and what it excludes. If you decide to move yourself, your renters or homeowners insurance policy may cover your belongings if you transport them in your vehicle or in a rented car or truck. Depending on the value of your belongings and how far away you are moving, it might be worth considering a moving insurance policy.
Review the moving company's insurance policy carefully to make sure you know how much coverage is available. The cost of moving insurance will depend on factors such as the value of your belongings and the type of coverage you choose. In most cases, housing coverage will protect your personal belongings if they break during a move, both on the way from a secured location and when you move to it. However, if you're moving to another state, moving companies are required by federal law to offer two types of coverage.
If you decide to move yourself, you won't have the benefits of coverage from a moving company if your belongings are damaged or broken. If you decide to move your belongings yourself, your homeowner's insurance policy may cover your belongings if you transport them in your vehicle or in a rented car or truck. It's important to know that, whether during a move or not, any property covered by home insurance will only be protected up to the limits of your policy. Some circumstances may limit the liability of the moving company and make buying moving insurance more attractive.
Depending on the value of your belongings and how far away you are moving, it might be worth considering a moving insurance policy.