Insurance While Moving House: Do Your Possessions Have Enough Protection?

It's not an understatement to say that moving to a new home can be a stressful experience. It can be logistically difficult, and this is along with the trepidation of saying goodbye to your old home and going somewhere that might be unfamiliar. Hiring a moving company can reduce the stress that you might be experiencing. A reputable moving company will get the contents of your home to their final destination in the safest and most efficient way possible. While loss or damage of your possessions during the moving process is unlikely, it's important to ensure that you have adequate insurance to protect yourself.

General Insurance

One of the things you need to add to your moving checklist is to contact your insurance provider. It's better to do this as soon as possible. You need to inquire about any limitations pertaining to your contents insurance. What kind of coverage exists when the goods in question are being moved? This is particularly pertinent when your possessions actually leave your property and are in transit.

In conjunction with finding out this information, you should check the extent of the insurance held by your removal services company. You need to ensure that their coverage will be able to replace any of the more expensive items you might need to move. If the moving company offers additional insurance, then it can be advisable to take advantage of this to ensure that you are fully protected against loss or damage in the unlikely event of this occurrence.

Liability Insurance

You should also inquire about the details of any additional insurance that your moving company might hold. However unlikely, you do not wish to be held liable if one of the removalists are injured while on your property. Ensure that the company holds the necessary worker's compensation insurance. You might also wish to inquire with your own insurance provider to see if your policy provides liability for third party injuries or loss.

Irreplaceable Items

While insurance can provide the funds to replace expensive and yet easy to obtain items, chances are that you will also be moving some possessions that are simply irreplaceable. Consider carefully moving items like jewellery, small family heirlooms and photographs with you in your own vehicle. You might wish to rent a van or a larger car for this purpose. While your moving company will do everything they can to ensure that your possessions arrive unscathed at their final destination, you might feel better knowing that your irreplaceable items are travelling with you.

By ensuring that you have adequate protection for your goods during the moving process, you will find that the whole event will be far less stressful.