Although moving to a new place or neighborhood can be exciting, it is also one of the most stressful events. The process is not only tiring but time-consuming from the moment to box up your belongings to when you unbox them in the new home. Since transport is involved when moving, most people wonder how they can cover their belongings during the process. At Jeff Johnson Insurance Agency, we ensure that clients understand the entire process and have the right coverage in place.
As you plan to move within or outside Des Moines, you want to be assured that your belongings will be safe and arrive in one piece. Insurance coverage for the property on transit is meant for this specific purpose: to ensure that your belongings are covered during the entire moving process. However, before getting insurance coverage for your belongings, consider the following:
- What are Your Coverage Limits?
Most policyholders tend to assume that their current renters or homeowner’s insurance policy cover theme during a move. While this is a common misconception, such policies usually apply at a storage or residence unit. They are not designed to cover personal property when packing your items or physically moving them to a different place.
- Do You Have Additional Protections?
When moving, you might need to take additional coverage for your belongings and the actual moving process. For instance, your moving truck may get into a wreck and jostle all your delicate belongings around. With a trip transit insurance in place or special perils coverage, you will be sure that you are covered. The additional protections also come in handy if any of your property disappears or gets stolen during the process. Also make sure that you have asked your mover about full value protection, which holds them responsible for the replacement value of everything you ship with them.
- Avoid the Assumption that it is Safer to Move Everything Yourself
Most people assume that it is safer if they moved everything themselves. However, doing so means that you will be assuming all the responsibility. Your coverage will be more expensive and you are exposing yourself to greater risk. Hiring a truck rental company with additional coverage is the safer option.
- Do You Need to Adjust Your Policy?
Before you move out, you need to go over your coverage to ensure it is adequate. Our agents will help you understand your coverage and time the cancellation of the transfer of the policy to eliminate any gaps that may appear during your relocation. Adjusting your policy in time ensures that you are getting value from your insurance.
Jeff Johnson Insurance Agency provides appropriate coverage for moving to people located in Des Moines, Iowa, and surrounding areas. Reach out to our agents at any time whether you are planning to move in the next few years to get the right homeowner’s coverage.
Contact us at Jeff Johnson Insurance Agency and we will help you re-evaluate your current insurance to make sure you are well covered