Is Moving Included In Your Home Insurance Policy?

​It's critical to have homeowners insurance to safeguard your house and all of your things. Therefore, knowing that your homeowner's insurance will cover you if you need to relocate from one location to another when the time comes is important.

So, does your homeowner's policy protect you if you move? The basic answer is that it will cover part of your things in a loss, but the moving company should carry additional insurance. When you know what's covered and what isn't, you'll be better prepared for any mishaps that may occur when transporting your belongings from one home to another.

Are My Belongings Covered by Homeowner's Insurance If I Move?
Some losses are not covered by this policy, so yes. Your items both inside and outside your house might be covered by your homeowner's insurance policy. In fact, your valuables may be insured anywhere globally with our insurance. That goes for a storage facility as well.

If you employ professional movers, your homeowner's insurance may also cover some types of damage to your items while they are in transit. Therefore, it all depends on how you go about it.

Are Damaged Belongings Included in Home Insurance Coverage?
To answer your question, yes, but not always. While your personal belongings are usually covered by your home's insurance, the loss must be due to a covered danger.

More specifically, the damage caused by automobile accidents or lost property isn't always covered. Personal property is covered on a dangerous basis under standard HO3 policies. In other words, it can cover harm caused by:

• Theft
• Smoke
• Explosions
• Objects that fall
• Ice, snow, or sleet weight
• Eruptions of volcanoes
• Vehicles causing damage
• Damage caused by aircrafts
• Vandalism or malicious mischief
• Water or steam accident
• Systemic freezing in the home
• Damage caused by electrical current that has been created intentionally
• Certain domestic systems are suddenly and unintentionally ripped apart, cracked, burned, or bulged.

Most of these situations are unlikely to occur during a transfer and influence your personal items. Although theft or fire might be an issue, you need to be careful in that case.

What To Do After the Move
Remember that submitting a claim after moving may have a deadline, so unload as quickly as possible to ensure nothing has been damaged. Make a list of the damage you've seen and take images of what you can. This will assist you with your claim.

Inquire with the moving firm about filing a claim for damages. Do not toss out the objects that have been damaged; instead, keep them on standby in case the moving firm needs further proof. Whether the moving company doesn't pay the loss, check with your insurance company to determine if the items are covered by your policy. To help expedite the claim, include as much information as possible.

Conclusion
Most people are unaware that your belongings may be damaged or lost while in transit if they are not covered by your homeowner's or renter's insurance. Moving puts your valuables at risk for various unanticipated disasters, so having moving insurance may help protect you if something goes wrong.

At Schneiderman Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (818) 322-4744. Get your free quote today by CLICKING HERE. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!