Does my contents insurance apply while moving?
You are going to be moving. This means you will be lugging around valuables. In the process, unexpected items can get damaged or even broken. Is your current home contents insurance covered during the move? We are happy to explain it to you!
Will my current household insurance policy remain valid?
Yes, you can take your current contents insurance with you to your new home. It is important that you inform your insurer of your new address. This is because your new address may affect your current home contents insurance. Because you may be living in a more risky area, your premium may suddenly go up. In addition, you may also have purchased new furniture for your new home. This again affects the value of your contents. It is then advisable to recalculate your household contents value with the household contents value meter.
Moving tips
- Please provide your new address. You can easily do this, look here to change your address.
- Check if you are insured with the moving company. See under what conditions you are insured.
- Do you have two addresses temporarily? If so, report this to your insurer. This is because it is usually the case that you are not fully insured.
- Want to cancel your current household insurance policy? Keep in mind that insurers have a notice period. Most insurers only allow you to cancel a contract after one year. However, this varies per insurer.
Taking out household contents insurance? Calculate your premium!
Is my contents insured during a move?
When you start lugging your belongings around, there is a chance that these items could get damaged. In some cases, it may even happen that your belongings fall completely to pieces. The coverage of your contents insurance while moving may vary from one insurer to another. When you are planning to move, it is therefore advisable to check the policy conditions of your insurance well in advance. Furthermore, it is advisable to hire a moving company if you have a lot of valuables. This is because a moving company is always well insured against unexpected damage. A moving company will not reimburse damage you cause yourself while loading or unloading or putting together the furniture.
From rental house to purchase house
When you are moving from a rental property to a purchase property, there are a number of things you need to be aware of. For a condo, you will need a homeowners insurance policy in addition to contents insurance. Building insurance protects your home against damage to the ceiling, for example. If you are moving the other way around, i.e. from a owner-occupied house to a rental house, you will only need contents insurance.
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