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Navigating Insurance When Moving: What You Need to Know

by | Feb 10, 2022

Moving is an exciting time filled with new opportunities and adventures. However, it can also be overwhelming, especially regarding insurance considerations. In this blog post, we’ll help you anticipate and answer common questions about insurance during the moving process, ensuring a smooth transition and peace of mind.

Renting a Moving Truck (e.g., U-Haul)

When renting a moving truck, don’t assume your personal auto policy will cover all the risks associated with the rental. Policies vary, so you must check your policy or consult your agent. Typically, there are significant limitations, and it’s best to purchase temporary insurance from the truck rental company.

Hiring a Moving Service

Before hiring a moving service, understand the company’s insurance coverage. If their coverage doesn’t meet your needs, consider purchasing additional insurance to protect your belongings during the move.

Moving to Another State

Each state has its own insurance regulations, so you may need to start a new policy when moving to a new state. If you move to a different city within the same state, you may only need to update your address but consider reshopping your policy to ensure you’re getting the best rates.

Moving to Another Country

When moving to another country, you must navigate international insurance regulations. Research and obtain the appropriate coverage for your new location to avoid any gaps in protection.

Moving Within the Same State

If you’re moving within the same state, update your address with your insurance provider and consider reshopping your policy to account for any rate changes based on your new location.

Buying a Home

Maintaining coverage during the transition is crucial when buying a home. If you’re converting your property into a rental, you’ll need a new policy, including landlord liability. Ensure your liability and personal property limits are adequate for your needs.

Selling a Home

While selling a home, keep your insurance coverage active until the new owners take legal ownership. Adjust your policy as needed based on your changing circumstances.

Renting a New Place

When renting a new place, obtaining renters’ insurance to cover your personal property and liability is essential. This coverage will protect you in case of damage or theft.

Leasing Out the Old Place

If you’re leasing out your old place, obtain landlord’s insurance to cover any risks associated with being a property owner. Adjust your coverage to meet the needs of a rental property.

Storing Belongings in a Storage Unit

When storing belongings in a storage unit, understand the facility’s insurance coverage and consider purchasing additional coverage to protect your items.

Other Things to Consider

Every situation is unique, so speaking with your agent about your circumstances is essential. They can help you develop a solid plan that fits your needs and ensures a smooth transition.

We’re Here for You

Moving is an exciting time, and we’re here to help make it as stress-free as possible. If you’re moving to a state where Page Insurance specializes, we’d love to hear from you and assist you in any way we can. Our knowledgeable agents can provide guidance and support throughout the moving process, ensuring you have the right coverage for your new chapter in life.

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Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.