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Does Homeowners Insurance Cover Moving?

Jun 30


You may be aware that homeowner's insurance doesn't only protect the house you reside in, but also your personal possessions. The policy's contents insurance also known as personal property insurance, covers personal items. The good thing is that your possessions do not have to be within your residence to be covered by homeowner's insurance. That's the way you can protect yourself during a move.

A further important point to remember is that the homeowner's insurance policy is connected to you, and not the home you reside in. Select Adjusters recommend that you change your current policy rather than purchasing another one each time you move to a new residence. This is especially advantageous since there's no gap between your insurance coverage when you transfer your belongings from one place to another.

Moving Coverage under Homeowners Policy

Your possessions won't be protected after you move. Just like if there is a loss or damage within your home, the event is only covered if it was a covered peril. The only thing this means is that the loss or damage was caused by an incident specifically mentioned in your policy. Get in touch with an experienced roof adjuster near you today.


The majority of homeowner's insurance policies include the following covered perils:


  • Storms or hail

  • Aerial or vehicle-related accidents can result in damage

  • The falling objects

  • Weight of ice, snow or sleet

  • The accidental discharge or overflow of water or steam from within the plumbing, heating air conditioning or automated fire-protection sprinkler system or home appliance

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

  • The freezing of plumbing, heating, air conditioning or automatic fire-proof sprinkler system or of a home appliance

  • Inadvertent and accidental damage resulting from the electrical current that is artificially created

  • Check with your insurance company to find out more details about the included perils covered under your personal policy.

  • These risks are covered and are applicable to your belongings when you relocation. Your home policy will cover the damage caused by aircrafts or vehicles in the event that your moving vehicle is involved in an accident, you are covered. But if your china isn't properly wrapped or breaks during the rough journey, it won't be covered.

Limitations on Homeowners Insurance

While you move, any restrictions or terms in your homeowner's insurance policy will be applicable. The threshold (the amount you pay out of your pocket before insurance kicks in) is the same along with the limits on specific items. Select adjuster yuma Az can assist you in this matter.

Moving Company Insurance

The homeowner's policy will apply regardless of whether your possessions are being relocated by you or an agency for moving.


Certain moving companies also provide coverage for your belongings while being in their care. It's an excellent idea to inquire about these questions before you hire an organization for moving.


  • Will I be covered if my possessions get lost or damaged while in the mover's possession?

  • Is there any additional insurance I am able to get to cover my purchase?

  • What is the deductible for all of my belongings have been destroyed or lost?

  • What kind of damage will you cover and what kinds are not willing to cover?

How do you prepare for insurance in preparation in the event of a move

When it comes to moving, there's plenty of preparation required. Talking to your insurance provider at least two months prior to your move is a great idea. This will allow you to examine the specifics of your homeowner's coverage, change your address, as well as discuss any additional changes to your policy. You need help and support from river city adjusters in Yuma Az.



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