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Anyone who’s moved knows there are a lot of details to coordinate—final inspections, deposits to collect and pay or a home to sell, boxes to pack, utility companies to call, change-of-address forms to fill out. One of the last things you want to deal with once you reach your destination is damaged, broken, or missing property. Whether you are moving across the street or to another state, having the right insurance coverage while moving is crucial to protect your belongings and ease your mind during the process.

Homeowners or Renters Insurance: Start by reviewing your current homeowners or renters insurance policy. In many cases, these policies may provide coverage for your personal property while it is being moved, although this coverage is often limited. Familiarize yourself with the terms and conditions of your policy to determine if you need additional coverage.

Moving Company Liability: If you decide to hire a professional moving company, they may offer some level of liability coverage for your belongings. It's important to understand the extent of this coverage and any limitations that may exist. Moving companies typically offer two types of liability coverage: released value protection and full value protection. 

Rider or Floater Policy: If you own high-value items such as fine art, jewelry, or antiques, you may want to consider obtaining a rider or floater policy. These are additional insurance policies that provide coverage specifically for valuable items that may not be adequately protected by your standard homeowners or renters insurance policy. Be sure to check with your insurance provider to determine coverage limits and any necessary appraisals required.

Temporary Storage Coverage: If your move involves storing your belongings in a temporary storage unit, make sure your insurance coverage extends to this situation. Some insurance policies may include coverage for stored items, while others may require you to purchase a separate policy. 

Self-Move Coverage: If you decide to handle your move without the assistance of a professional moving company, be sure to review your insurance coverage as your homeowners or renters insurance policy may not cover any damage or loss during the move. If applicable, consider purchasing specific coverage for your belongings during the self-move process.

Document and Inventory: Before the move, create a comprehensive inventory of your belongings and take photos or videos of valuable items. Having this documentation will help streamline the claims process in the event of damage or loss. Keep receipts, appraisals, and any other relevant documents related to your belongings in a safe place.

Questions to ask your home or renter insurance provider before your move:



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