Moving from one state to another is a huge undertaking. Taking care of your family and your possessions is obviously your first priority. Still, among the chaos, it’s all too easy to forget some of the necessities that prepare you for safe travel and arrival at your new Massachusetts home. Insurance differs from state to state, and not being prepared for the unexpected can lead to unnecessary hassles. This checklist can help you get all of your insurance coverage in order to ensure a smooth transition during and after your move.
Protecting Your Assets During Travel
Traveling over a long distance is a prime way to get into unexpected adventures. The right insurance coverage can help to make sure all of your adventures have a happy ending. Understanding the restrictions of your current homeowner’s insurance is the first step in deciding whether you’ll need additional coverage for the move. There are a variety of ways to protect your assets during travel.
• Your current homeowner’s insurance – Before you close out your current policy, talk to your insurance agent to get a full understanding of possession coverage. Some policies only cover personal possessions while they are in the house. Other policies may cover possessions in storage. It’s also important to learn what your policy covers. For instance, your policy may cover theft, but not damage that occurs during an accident.
• Insurance through the moving company – If you’ve hired a moving company they’re required by federal law to offer mover’s insurance that covers loss or damage to your possessions. You simply choose the amount of coverage you need.
• Mover’s insurance – If you’re making the move on your own, you will likely need to secure additional insurance. If you rent a moving truck, insurance can likely be secured through the truck company. If you’re using your personal vehicle, talk to your current insurance provider about adding additional coverage for the move.
• Your new homeowner’s policy – If your circumstances require you to put items in storage near your new residence, seeking an insurance agent in Massachusetts before the move can be helpful. Your new policy will likely cover items in local storage.