5 Tips for Moving and Changing Insurance

Wondering what you need to do for moving and changing insurance?

There are so many things to do when you move to a new place that you can easily lose track. Whether you’re moving to a new home in your same town, or moving across the globe, the to do list may seem endless. And that’s when things like changing your insurance can fall through the cracks. 

When it comes to getting everything in order, it is best to sit down and make a solid list. Attention to detail is great for trading, working, and especially getting your move done efficiently. That’s why we have put together five tips for moving and changing insurance just for you. This way nothing falls through the cracks and everything is covered. 

Know Local Requirements Before You Move

Before you move, you need to familiarize yourself with local insurance regulations and requirements. Your insurance coverage in one country may not qualify as coverage in another. For instance, you may have had PLPD insurance in your previous state, but your new state requires all drivers to have full coverage.

If you are wondering about your new local requirements, simply check a government website. Normally they have vehicle coverage requirements on their transportation department websites. If you can’t find it there, call your insurance provider to see what sort of changes need to be made before you move.

New States, New Country, New Insurance

When it comes to moving far away, there are a lot of things you need to think about when it comes to your insurance. Just like knowing your local government requirements for your car, you also need to know what needs to be insured for your new residence.

There are a lot of insurance coverage possibilities. When you move to a new place, you may be shocked to find that you will have to provide insurance coverage for new and strange things. This is determined by the local weather, regulations and laws, as well as HOA’s and more. Just like there are different types of car insurance, there are lots of things that may need to be covered in your new home.

Here are some areas of required coverage based on where you live:

  • Flooding
  • Wildfires
  • Earthquakes
  • Tornados
  • Water line coverage
  • Hurricanes
  • Severe Winter Weather

Depending on where you are moving, you may need to have these potential disasters written in on your insurance for your home and your car. In some areas if you don’t have the specific coverage, any damage won’t be covered by your home owner’s policy, so be certain to double check before your move.

Always Have Your Valuables Covered

One of the main issues with moving is having your valuables damaged in transit. With that being the case, do not cancel your renter’s or homeowner’s insurance before your move. There can be a 30 to 90 day over lap so that all of your valuables are protected during the move.

Not only should you have them covered because of the physical move, but you should also keep them covered until your new insurance takes over. Anything could happen while you get settled into a new place. Don’t let your valuables get damaged or stolen without the proper insurance coverage.

Keep Your Documents in Order

An extremely hard part about moving is that all of your personal belongings are in boxes, scattered all over your home, or simply just out of reach. Keep your insurance papers, important documents, and personal identification in a safe place during the move. This way if anything were to happen in transit, you can easily find your coverage and make a claim.

Don’t Wait

One of the worst things you can do is wait until after you are moved into your new home to get new insurance. The time to make certain you have the right coverage is BEFORE you move. That way there is generous overlap of coverage. You don’t just randomly sign onto a mortgage because there is a time constraint. Don’t wait to make certain you and your family and valuables are covered.

Moving and Changing Insurance Can Be Easy

Moving and changing insurance doesn’t have to be difficult. With these 5 tips you can not only change your insurance with confidence, but you can relax a little bit during the move knowing your things are taken care of. Don’t wait to get your insurance settled after the move, get started today.


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