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Is It Your Move?

The average American moves more than 11 times in his or her life, according to the U.S. Census Bureau. June is the biggest month for movers, the Bureau says, and with June quickly approaching, you may preparing for a move of your own. Now comes the big question: Are you ready for your move?

We’re betting most of you answered a resounding ‘No’ to that question. That’s why we’re here to help with some insurance related moving tips you might not know. We’ve got the scoop for those who hire a moving company as well as for do-it-yourselfers.

If you’re hiring a mover

First off, get rid of stuff you haven’t used in the past year. That includes those trousers you’ll never fit into again, the shoes that don’t match anything in your closet, and even the melon baller you got for a wedding gift that you’ve never used. Donate it to charity – you’ll be helping someone who needs a hand and you can get a sweet deduction on next year’s taxes (though you need to keep good records to back it up).

Here’s why this is a good insurance-related idea: You can compile a home inventory What exactly is a home inventory? It’s a listing, complete with photos – of all the stuff you own. The listing also should include receipts, value estimates of your items, and serial numbers. This will help you should you ever need to file a claim on your home insurance.

If you’re packing the boxes yourself, label each with the room it will go in and number the box in the order it should be unpacked. This will help immensely when you get to the new place. If the movers are packing the boxes, you might not have that option, but you should still make sure everything’s labeled by room.

Here’s the good news: Your homeowners policy likely will protect your stuff while it’s en route to your new home. (Be sure to check your policy, however; this isn’t always true.)

If you’re doing it yourself

You’re not alone; about 75% of all moves are done this way, according to one large moving company. If you’re moving yourself, it’s even more important that you get rid of stuff you really don’t need. There’s no reason to haul it from place to place if you won’t use it. And again, compile that home inventory now.

About that rental truck. You know how you’re usually told not to purchase rental car insurance because your personal auto policy – and maybe even a credit card – already provides for coverage? This is NOT true when it comes to trucks that weigh more than 9,000 pounds. That means you probably should purchase insurance for the truck. Otherwise, you could be responsible not only for repairs to the truck and any other damage or injuries you cause but also for the time the moving company can’t rent the truck.

Again, however, your stuff probably is protected by your home insurance, but don’t take this for granted.

Moving is never easy, and it’s never fun. But we hope these tips can make your trip – even if it’s just across town – a productive one. Be safe and enjoy your new place!


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