Have you lately moved to a new residence? First, congratulations! If you're relocating soon, you've likely felt pushed in several different directions. Plus, while preparing for the move, you're likely working on closing on the new place and taking time off from work — and to top it off, there may be home improvements to oversee.
As the moving date approaches, the daunting task of removing one's personal belongings can soon diminish the initial exhilaration. Do you know if your valuables will be insured by the moving company when they are transported in a moving truck?
Does home insurance cover your personal goods in transit? The short answer is that it depends on how and where the damage occurred and your current homeowner's insurance policy.
To ensure that you are protected for your next relocation, let's examine how your homeowner's policy covers your belongings while in transportation.
How Does Homeowners Insurance Cover Personal Property When Moving?
The majority of personal goods in transportation are insured solely against certain perils under a regular homeowners policy. This is insurance terminology for a specified sort of loss that is "identified" in your home's policy. Suppose the driver loses control of your moving truck, and it overturns, causing significant damage to a significant portion of your belongings. You are typically covered.
Your homeowner's insurance policy lists an overturned truck as a specified danger. And this type of protection is essential while transporting your belongings across the country.
Are Your Belongings Insured If You Transport Them Yourself?
The beautiful thing about homeowner's insurance is that it provides wide, portable coverage for your things. In this instance, coverage can extend to items you transport on your own.
If you transport your belongings in your own trailer, they are insured during travel, but you will often require comprehensive or collision coverage for your vehicle. In addition, some insurance companies may require you to declare the trailer on the declarations page of your policy.
However, you should be aware that the most common moving accident - damage to personal belongings caused by negligent handling — is typically not covered. If you are not an overly experienced mover, you may mistakenly believe that your belongings are secure for transit. Loads might shift during transit without the proper packing equipment and knowledge, which can lead to breakage and a denied claim.
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