Moving out of your old house and into a new one can feel like an awesome achievement. However, moving into the place can still be a hassle. That’s why you want to ensure that your belongings reach without any damage. If you own fragile and delicate items, having them in transit can be scary. And since a lot of things can go wrong during transit, it is best to get moving insurance to protect your belongings when you move.
What Moving Home Insurance Is
In the simplest terms, moving home insurance covers both your belongings in transit and some policies of your home as well. So in the event that you are moving with a professional mover, the policy will cover all your belongings that the contracted mover is transporting. Hence, any damage to your items in transit, and to your home during placement, is covered by the policy.
Although most professional movers do not take any responsibility for your goods during transit, house moving insurance protects your belongings. This can save you from the frustration of receiving broken items at your new house.
How You Can Get Home Moving Insurance
The best part about home moving insurance is that it is relatively easy to get. While professional movers obviously offer home moving insurance or some other variation of it, you may even have house moving insurance as part of your home insurance. This particular coverage is available in-home, condo, and renters insurance, as a clause that covers your items that are in transit or temporary storage. However, this clause is subject to the terms and conditions of the contract that you receive.
In other words, your particular insurance may not cover house moving insurance or any of its clauses. But the good news is that you can easily apply for this insurance as temporary coverage or long term coverage.
Trip Transit Policy
Trip Transit Policies are very similar to house moving insurance, except it only covers your belongings that are in transit. Instead of covering both your home and your belongings, it will only cover for the latter. Moreover, this policy will apply to the current or next move that you are making. In other words, the policy will expire when you move, and you will have to reapply for this policy.
This policy will cover your goods like home insurance would cover them, so it may not cover damage that the movers are responsible for as they handle your goods. So before settling for this particular policy, you should get ample information about it from your insurance provider.
Conclusion
Getting proper home moving insurance can protect your home and your belongings while you move, and that is too valuable to pass up. Transporting your goods from one part of town to the other can be very dangerous, so it is best to protect them with a dedicated insurance plan.
