Homeowners and renters policies provide coverage for your belongings while your personal property is at your residence, in transit and in storage facilities, but will not pay for any damage done to personal property while being handled by the movers—when packing or physically moving the items.
Depending on your agreement, professional movers provide some protections for your belongings. It's a good idea to consult one of our insurance professionals about your current policy, make sure your coverage is sufficient for your move and understand your options:
Trip transit insurance covers your personal property for perils including theft, disappearance or fire (the same perils covered by your homeowners or renters policy) while in transit or storage. Trip transit insurance can be written for the full value of your property, or as excess coverage over and above that provided by the moving company. It does not, however, cover breakage or flooding at, say, a storage facility.
Special perils contents coverage will cover breakage of all but fragile items.
A floater will fully protect high value items such as jewelry, collectibles, china, vases, fine art, etc.
Car insurance verification. If you're shipping your vehicle, ask the auto shipping company for their insurance certificate—they are required by law to have one. And check with your insurance company about your coverage: Is it the same while the automobile is being shipped? Do you have to provide the company with any notification?
Storage insurance. If you're going to need temporary or permanent storage for some of your items before or after the move, understand how they're covered, too.
Getting the right insurance coverage for moving
Whether you’re moving locally or out-of-state, on your own or with a moving company, the right insurance will protect your belongings and give you one less worry. But before you put the first piece of furniture on the truck, do some research—start by contacting our agency.