Moving and your home insurance
December 2021 | Liberty Mutual Insurance
If you’re moving, here are answers to common questions about how to handle your home insurance during a move.
How long should I keep home insurance for my old house?
If you want total coverage, keep your old home covered until the final selling documents are signed.
How do I update my homeowners policy?
Call or log in to your account to update your policy. Answer questions about the features of your new home to customize your policy. If you've installed burglar, smoke, carbon monoxide, or radon detectors, you could be eligible for insurance discounts. Also, make sure to cover anything particularly unique about your new home's construction material, like roof type or interior and exterior finishes. Be sure to ask any questions you have to ensure a smooth transition.
Will the rate for my new home go up?
There are many factors that can make your insurance rate go up or down, including the layout of your new home, features, size, and location. Some specific factors that may make your policy go up include having a swimming pool or trampoline, or if you move to an area that experiences sever weather.
Who covers my belongings during a move?
If you're using a moving company, they will likely provide coverage. If you're moving your own property, your home insurance should cover your items anywhere in the world. Be sure to check with your insurance for any gaps you might have (for example, breakage is typically not covered).
Is my property covered in storage?
It depends on your insurance carrier. Liberty Mutual will provide 100% of your personal property coverage if you put belongings in a formal storage unit.
How can I make sure all my property is covered after moving?
If you're buying new items for your new home, have your personal property coverage adjusted to ensure you're fully covered. Likewise, if you got rid of multiple items before moving, check to see if your rate could be lowered.