Moving Insurance – Introduction
Have you found a new home? Planning your move? Thinking about boxes, furniture, and your new décor? But have you considered your insurance?
Most all-risk home insurance policies cover your belongings during their transport to your new residence and protect them at the new location (within Canada) for up to 30 days, just as they do in your old home. This means you can move your items, partially or entirely, up to 30 days before your planned moving date. The only requirement is that your insurance policy must be active during the move. However, note that many basic policies may not offer all these protections, so be sure to read your policy’s terms carefully.
Source: CAA Québec
Notify Your Insurer of Changes
Have you recently bought a new laptop or the latest front-load washing machine? Don’t forget to update your insurer about any changes to your belongings. Some items may be excluded or subject to coverage limits under your policy. Your insurer can guide you on the available protections.
To avoid unpleasant surprises in case of damage—such as theft, fire, or water damage—it’s best to consult with your insurer beforehand. Moving in with a new partner? While they’re not a “belonging,” you’ll still need to declare this change and add them to your insurance contract.
Create an Inventory
We all know we should keep an inventory of our belongings, but whether due to lack of time or motivation, it often gets overlooked. Since you’ll be packing everything from A to Z for your move, take this opportunity to document your belongings.
Ideally, take photos or videos of your personal items using your smartphone. Also, organize your paperwork by keeping all your purchase receipts in one place. This will make things much easier if you ever need to file a claim.
Source: Moving Waldo
Conclusion
While it’s crucial to ensure your moving company is properly insured, your home insurance remains your best safeguard in case of damages. Make sure you’re well-informed and adequately covered. If you have any doubts, contactez les experts déménageurs to plan your next move with confidence.
