May is National Moving Month, which kicks off the busiest moving season of the year. Moving can be both an exciting and stressful time. As you pack up your life and transition to a new home or apartment, it’s important to ensure that your insurance needs are met along the way. To help you navigate this process, here’s a handy moving checklist and eight key questions to ask your insurance agent.
Moving Checklist
8 Questions To Ask Your Insurance Agent if You are Moving
1. How are my belongings covered during the move?
Understanding how your personal items are protected while in transit is crucial. Some homeowner’s policies may offer limited coverage, but it’s best to confirm with your agent.
2. Are my belongings covered while they are in storage?
If you plan to store some items temporarily, ask if your current policy extends coverage to belongings in storage or if you need additional insurance.
3. Am I covered by my auto policy when renting a U-Haul?
Before renting a moving truck, check if your auto insurance covers rental vehicles. You might need to purchase additional coverage from the rental company, especially if the vehicle’s gross vehicle weight (GVW) exceeds your policy limits.
4. How do I know if my hired mover has insurance?
Verify that your moving company has adequate insurance. Request proof of insurance to ensure your belongings are protected against damage or loss.
5. What should I change about my insurance if I’m renting out my current home?
If you’re turning your old home into a rental property, you’ll need to adjust your insurance to a landlord policy to cover rental-specific risks.
6. Do I need to change my insurance if my home will be vacant until sold?
A vacant home poses different risks, so you may need to update your policy to reflect its unoccupied status to ensure proper coverage.
7. Can you change the mailing address on all of my policies?
Once you’ve moved in, ensure your insurance agent updates your mailing address across all policies to avoid any communication mishaps.
8. Will you update all of my contact information?
Make sure your agent has your current contact information to keep you informed about your policies and any changes.
Moving can be a complex process, but with the right preparation and insurance coverage, you can transition smoothly to your new home. For more personalized advice and to ensure your coverage is up-to-date, reach out to our agency. We’re here to help make your move as seamless as possible.
