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Does Homeowners Insurance Cover Moving?

Jun 30


You probably know that your homeowner's insurance does not cover just the property you live in, but also your belongings as well. The portion of your policy that provides coverage for personal belongings is referred to as contents insurance, also known as personal property insurance. You don't have to keep all your belongings inside your house to be covered by homeowners insurance. This is the way you can ensure your belongings are covered during the time of a relocation.

It is important to know that your homeowner's insurance is linked to your home and not the property you live in. Select Adjusters recommend that you modify your current policy rather than purchasing another one each time you move into a different house. This is especially advantageous since there's no gap in your insurance coverage in the event that you relocate your possessions.

Moving Coverage Under Homeowners Policy

Your possessions won't be covered when you move. Like if the loss or damage occurs inside your home, the event is only covered if it is an insured peril. That means your insurance is only able to cover losses or damages which was caused by an incident specifically mentioned in the policy. Find a professional roof claim adjuster near me now.


Most standard homeowner's insurance policies have the following insured perils:


  • Hailstorms or windstorms

  • Damage caused by aircrafts and vehicles

  • Fallsing objects

  • The weight of ice or snow or sleet

  • Overflow or accidental discharge of water or steam within a plumbing system, heating or cooling, automated fire-protection sprinkler systems, or from a household device

  • Unintentional and sudden breaking cracking, burning or burning of the steam heating or hot water heating system air conditioning system, or automatic fire-protection system

  • Freezing of heating, plumbing, air conditioning, automatic, fire-protection sprinkler system or household appliance

  • Unintentional and unexpected damage caused by electric currents that are artificially generated

  • To find out more about the specific hazards covered under your policy, be certain to speak with your insurance company.

  • These protected perils are applicable to your belongings during a moving. Your home policy will cover damage caused by aircraft or vehicles and, therefore, if your moving truck is involved in an accident, you are covered. However, if the china was not wrapped properly and broke in the rough journey, it isn't protected.

Limitations on Homeowners Insurance

Any limitations or conditions present in your homeowner's insurance policies are in effect when you move. The deductible (the amount that you have to pay out-of-pocket prior to when insurance kicks in) and the limits on specific items remain the same. Select adjuster Az can assist in this regard.


Moving Company Insurance

Your homeowner's insurance is applicable regardless of whether your belongings are being relocated by you or an organization that moves.


Moving companies might also provide protection for your possessions during the time they are being stored. If you choose to work with a moving company It is advised to inquire about the following:


  • Are I covered in the event that my belongings are damaged or stolen while in the mover's possession?

  • Is there an additional insurance I can avail for my purchase?

  • Do I have a deductible for all my belongings that are damaged or lost?

  • What kinds of damages are covered? what kinds of damages are you not able to cover?

How do you prepare for insurance a move

When it comes to moving there's a lot of planning involved. This preparation should involve speaking to your insurance company one or two months prior to your relocation. In this way, you will be able to go over the specifics of your homeowner's insurance policy, change your address, as well as discuss any additional changes in your insurance policy. River city adjusters from Yuma will be there to assist.[email protected]/


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Select Adjusters
2152 S Vineyard #136, Mesa, AZ 85210, United States