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Does Homeowners Insurance able to cover the cost of moving?

Jun 30


You are probably aware that homeowner's insurance doesn't only cover the house you reside in, as well as your personal possessions. The contents insurance of your policy, or personal property insurance protects personal belongings. It is not necessary to keep the items in your house to be covered by homeowners insurance. This is the way you are protected in the event of the time of a relocation.

Important to note is that the homeowner's insurance policy is tied to you, and not to the house that you reside in. Select Adjusters recommend that you modify your current policy instead of purchasing an entirely new policy when you move into a new home. This is particularly beneficial since there's no gap in your insurance coverage in the event that you relocate your possessions.

Moving coverage is covered under the Homeowners Policy

Your possessions won't be protected in the event of a move. This is also true for the loss or damage that happens within your home. It's only covered when the risk was insured. The policy will only cover damage or loss that resulted from an incident that is specifically covered in your policy. Contact an experienced roof adjuster near you right now.


The following perils are covered in the majority of homeowners insurance policies:


  • Hailstorms or windstorms

  • Aircrafts and vehicles can cause damage

  • Fallsing objects

  • The weight of snow, ice or sleet

  • Inadvertent discharge or overflow of steam or water within the plumbing system, heating or air conditioning, an automatic fire-protection sprinkler system or from a home device

  • Unintentional and sudden breaking or burning of steam heating or hot water heating system, an air conditioning system, or an automated fire protection system

  • The freezing of heating, plumbing air conditioning, plumbing fire-protection sprinkler system, or appliances of the home

  • Damage that is sudden and accidental caused by electricity generated artificially

  • For more information on the specific risks covered by your policy, make certain to speak with your insurance provider.

  • The covered risks are applicable to your possessions during a moving. Your home insurance policy will cover the damage caused by aircrafts or vehicles and, therefore, if your truck involved in an accident, you're protected. But if your china isn't wrapped properly or is damaged during the rough journey, it won't be covered.


Insurance for homeowners is subject to restrictions

When you move, any limitations or conditions that are in the homeowner's insurance policy will be in effect. The deductible (the amount that you pay out of pocket before insurance begins to kick in) as well as the restrictions on specific items are the same. Select adjuster Az can assist you with this issue.

Moving Company Insurance

The homeowner's insurance policy is in effect regardless of whether your possessions are being transported by you or an organization that moves.


Moving companies can provide additional security for your possessions while they're being stored. It's recommended to ask these questions prior to hiring an organization for moving.


  • What happens if my possessions are damaged or stolen while with the moving company?

  • Are there any other insurance options I can avail to cover my purchase?

  • Is there a deductible on all my belongings damaged or lost?

  • What kinds of damages will you cover and which ones are not willing to cover?

How do you prepare for insurance the possibility of moving

There are many things to think about when you are moving. Contacting your insurance company for at least 2 months prior to the date of your move is a good suggestion. It is possible to discuss the details of your policy as well as address changes and any other changes that could be made with your insurance company. River city adjusters Yuma az are available to assist you.

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Select Adjusters
2152 S Vineyard #136, Mesa, AZ 85210, United States