Does my home contents insurance cover me while I'm moving?
You’re moving. This means you’ll be hauling around valuable belongings. During the move, items may unexpectedly get damaged or even break. Are you covered by your current household contents insurance while you’re moving? We’d be happy to explain it to you!
Will my current home contents insurance remain valid?
Yes, you can transfer your current home contents insurance to your new home. It’s important, however, that you provide your insurer with your new address. Your new address may affect your current home contents insurance. Since you may be moving to a higher-risk area, your premium could suddenly increase. Additionally, you may have purchased new furniture for your new home, which also affects the value of your household contents. In that case, it’s advisable to recalculate the value of your household contents using the household contents value calculator.
Tips for Moving
- Please provide your new address. It's easy to do—click here to update your address.
- Check to see if you're insured through the moving company. Review the terms and conditions of your coverage.
- Do you have two addresses for a limited time? If so, be sure to let your insurer know. In most cases, you won't be fully insured.
- Do you want to cancel your current home contents insurance policy? Keep in mind that insurers have a notice period. With most insurers, you can’t cancel a policy until after one year. However, this varies by insurer.
Want to get home contents insurance? Calculate your premium!
Is my household property insured during a move?
When you’re moving your household goods, there’s a chance they could get damaged. In some cases, your belongings might even be completely destroyed. The coverage provided by your household goods insurance during a move can vary by insurer. If you’re planning to move, it’s therefore advisable to check the terms and conditions of your insurance policy well in advance.
It’s also a good idea to hire a moving company if you have a lot of valuable belongings. That’s because moving companies are always well-insured against unexpected damage. Please note: a moving company will not compensate you for damage you cause yourself while loading, unloading, or assembling furniture.
From a Rental Home to a Home You Own
When you move from a rental home to a home you own, there are a few things you need to keep in mind. For a home you own, you’ll need both contents insurance and building insurance. Building insurance protects your home against damage to, for example, the ceiling. If you’re moving in the opposite direction—that is, from a home you own to a rental home—you’ll only need contents insurance.
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