If you have a move planned from one state to another, then you might want to consider an insurance policy that can cover your belongings in case something is damaged in transit. However, there are a few tips to keep in mind if you’re looking into this kind of insurance as it’s not like a standard policy that you might have on your vehicle or your home.
When you are sure of the dates that you plan to move, you should contact your insurance agent to find out how to include insurance for at least a short time on your belongings until you’re in your new home.
Consulting your agent
Talk to your agent to see if your current home owner’s policy will cover a move across the country as some do provide at least minimal coverage. If your policy covers moving across the country, then you need to find out if your belongings are covered in a storage facility as well until you’re able to get your belongings from one location to another.
Find out if your insurance rate will increase by adding more coverage since there is more to protect instead of what was originally listed on your policy.
Looking for the right insurance
There are various places where you can look if you want moving insurance. Talk to the moving company to see if it’s covered or if any coverage is offered for your belongings. Most companies are required to carry a certain amount of insurance coverage unless it’s a smaller business that only moves items as a side job instead of one that is established in the city, state, or country.
Getting a full value insurance policy
Full value protection is an option that many moving companies offer and will usually replace all of your belongings if anything happens with the vehicle while moving from one state to another. If a full policy isn’t available, the moving company might offer a separate policy that you can purchase for a minimal amount.
If you don’t hire a moving company, then you might not need insurance if you choose not to cover the value of your belongings. However, if you don’t get insurance, then you would have to pay for the replacement of your possessions if something does happen to them.
If you rent a moving truck to drive yourself, then you can ask if the company that provides the truck has any kind of coverage for the items that are inside the vehicle. You can usually choose the insurance limits that you want, such as minimal coverage if you don’t want to stretch your budget too far.
Make a list of your items before moving
In the event that you or the moving driver is involved in an accident that results in the damage of your belongings, you need to file a claim as soon as possible. Consider making a list of the belongings that you’re moving before putting anything in a vehicle to give to your insurance company. If possible, take pictures of the incident as well as the items that were damaged.