Your Home Insurance, Your Moving Company and You

In the rush of things, we tend to forget the basics. Often than not, we are rendered helpless when the unexpected happens, like fire, an injury or an accident. Getting insurance assures us that when we do forget the basics, in the hustle and bustle of daily life, and when fortuitous events strike, somebody steps in, takes care of things, even takes care of us.

So, you’re moving? Aside from finding a reliable moving services company, take out your yellowed home insurance policy contract, and let’s review the basics:

A home insurance assures us that regardless of life’s many surprises, which can sometimes spring at us like a vicious animal aimed for the throat, our home remains a secured haven where we can seek refuge, gather strength and pounce back at life again.

But what happens if we move? Does our home insurance “move” with us? What has your home insurance company been telling you?

Your Home Insurance: Its Basics

Home insurance provides you with peace of mind for contingencies that can occur involving your most precious possession – your home.

Fire is one contingency that can wipe out everything you have worked for, in a matter of hours. It can be a devastating experience watching everything you hold dear go up in flames; more heart-breaking when there is no home insurance that can back you up, when you start to rebuild whatever is left, after the embers of tragedy die down.

Vandalism activities can deface your home and would entail a considerable amount of money to spruce it up again; theft comes…that’s it, without warning, taking valuables that you have painstakingly scrimped for. Still remember the pangs of hunger you tried to manage with a doughnut?

Your home insurance also answers for monetary damages that an injury can cause on someone, while at your property, which can take a toll on you. It comes handy when you take out a mortgage on your home, too; lenders often require you to take out a home insurance policy.

In the event any of these contingencies happens, your home insurance shields you from the aftermath, which often than not, can cause not just a dent, but a wreck on your finances.

Your Home Insurance: When you move

This is one aspect of home insurance left unexplored, since moving does not normally happen to everyone. Yet, when moving does not become a choice but a singular decision to make, taking out a home insurance policy before the move, comes with add-on privileges that a homeowner will surely find useful:

You remain covered.

Generally, a home insurance policy covers you from contingencies that can happen during your move. It provides protection to your belongings between transits – from the old home to the new one- as if you have not moved at all.

While in transit, and in occasions when the moving van that carries your belongings figures in an accident, your home insurance policy answers for any loss or damage to your possessions, as a direct result of the accident. It also protects you from the perils of theft, which can happen when the moving van is parked or in the course of its journey. Depending on your coverage and the amount of your insurance, most home insurance policies would also provide protection to your belongings when they are hold for safekeeping, which can run from 2 weeks to one month.

Find Local Moving Companies Contractors in your area and comparison shop for insurance coverage that provide the most protection.

Be informed.

It remains your responsibility to inquire if the moving company you transact business with is fully licensed and secured against the perils associated with moving. Your home insurance policy can be a source of protection, but you deserve to be covered by your mover’s insurance, as well.

Scour the internet for a legitimate mover: one that offers free moving and storage quote, free boxes and blankets during your move, with large trucks to transport your belongings, fully licensed and insured, and with more men on the job who can make moving a lot faster and easier, but above all one who believes the impeccable need of providing insurance protection among its clients. That in the event of loss or damage during the move, there will be no passing of the buck, no finger-pointing – just the knowing wisdom of a great professional.