Moving is a stressful, and overwhelming process. Accidents can happen during a move and if you are carrying expensive furniture and items, you want to make sure whether your homeowners insurance covers you in case something goes wrong. Let’s discuss how homeowners insurance reimburses for damages that may occur during a move.

When Will Homeowners Insurance Cover Damaged Items During a Move?

Your homeowners insurance will cover damaged belongings while moving only in some situations. For example, if the truck gets into an accident while driving and your belongings and items are damaged, you will be covered by your insurance. However, it’s important to consult your insurance agent or company to learn the coverage options for your belongings during transportation.

Know Your Deductible before Filing a Claim

The first thing to keep in mind when considering whether your homeowners insurance will cover any damage to your belongings during a move is the deductible. This is the amount you will have to pay out of pocket before your insurance company will start to cover any losses. The typical deductible for most homeowners insurance policies is $500. It is important to review your policy to make sure you know your deductible before you make a move.

It is also crucial to relate the cost of your belongings to your deductible. If your deductible is more than the cost of your belongings, it is good to avoid filing a claim for damages. If the cost of your belongings is more than your deductible, it would be wise to purchase additional coverage to cover any potential losses.

Understand the Difference between the Coverage for Theft and Breakage

If your items are stolen during a move, your homeowners insurance will typically cover the cost of those items up to your policy’s limit. However, if your items are broken during a move, the cost of repair or replacement will not be covered by your homeowners insurance. So, if something breaks while being moved, you will likely have to pay for the cost of repair or replacement out of pocket. Also, your insurance will not cover the damages that occur as a result of your movers’ negligence or carelessness, like dropping a table, damaging its leg, or tearing the canvas in the oil painting.

Consult with Your Agent

Before you make a move, it is important to talk to your insurance agent to get a better understanding of what is covered and what is not. Your insurance agent will provide you with detailed insights on what items are covered under your policy and what items are not. They will also recommend any additional coverage you may need to protect your belongings while moving.

Moving doesn’t have to be a complicated process anymore. With comprehensive homeowners insurance coverage, you can be sure that you are covered if something goes wrong.

Cover Your Belongings While Moving with Aimpro Insurance

At Aimpro Insurance, we are committed to providing the right homeowners insurance policy to cover your belongings while moving. So, you can shift your home without worrying about potential damages and related losses. Contact our insurance professionals today to get started.