Does Homeowners Insurance Cover Moving Damage?

Moving can be a challenging and stressful task to accomplish. You need to pack your belongings and take care of them to ensure that there is no damage or loss. In fact, one of the most stressful parts of moving is worrying about damage or loss to your personal property. One of the big questions that will most likely come up when switching homes is; “does my home insurance policy from Don Allred Insurance cover my belongings while moving?” This is a genuine concern among homeowners in Burlington, NC who are thinking about switching homes. Here is what you need to know about your home insurance policy and moving.

Does Your Home Insurance Policy Cover Moving Damage /Loss?

The answer to this question is, not necessarily. Although your standard home insurance policy generally covers your personal belongings in your home, the loss must be related to an event that is listed in your policy and moving isn’t one of those events. Covered events usually include risks such as theft and fire. Therefore, if there is theft out of the moving truck, then you can file a claim for reimbursement.

However, your policy might provide coverage in certain situations. For example, if the moving truck is involved in an accident and your personal properties are destroyed, then your standard home insurance policy should help cover the loss. In most cases, though, your coverage limits may be much lower while your belongings are being transported from one home to the other.

Always Call Your Insurance provider to Check Your Coverage

Even if you are 100% sure that your homeowners’ insurance policy includes moving coverage, make sure that you call your insurance agent to double check what is covered and what isn’t covered. Sometimes, the insurance company may not work in the way that you expect, and you may only realize this fact when damage has already occurred.

Are you a homeowner in Burlington, NC? Contact Don Allred Insurance today for your homeowners’ insurance policy.