Is your Personal Property Covered During a Move?
When you are packing and sorting through personal belongings, consider how they will be protected during the move. Your personal property is tremendously important and there is possibly a chance items can be damaged during the transition.
Will my personal property be covered by my home insurance policy during the move?
Essentially, yes. The majority of Canadian home insurance providers can let you transfer your current home policy to your new home. This allows your personal property (up to a chosen limit) to be insured while moving. In the event of theft from the moving truck, your home insurance policy can assist in covering the loss.
Talk to your insurer before the big move to address any concerns as well as update them on the new address and when you plan to move. If you are planning to move to another Canadian province, there can potentially be some changes to your home and auto insurance policies.
Can I get additional coverage?
Depending on the insurance provider, there may be separate policies you can buy. For instance, if your fridge falls down the front steps on moving day, Desjardins Insurance all-risk insurance can help cover the costs. Some moving companies also have various insurance options available as well. You can discuss with your insurer whether you need to purchase additional coverages.
What if I use my own vehicle to move?
If you plan to use your own set of wheels rather than rent a vehicle or hire a moving company, make sure you pack your personal property carefully. You need to be able to see out the back window as well as make sure any passengers will be able to sit comfortably. If you choose to use a truck rental, they can come with different insurance plans that can include protecting the truck, driver, passengers and personal belongings.
No matter how you move and where you move, make certain your personal property will be kept safe during the transition. Pack with care and brush up on these essential moving tips to further ensure a secure and smooth move.