Post # 1
FI and I are moving from St. Louis to Philadelphia this weekend. I’d like to make sure our belongings are covered in transit since…well, it will literally be everything we own.
Our renter’s policy just ended a few weeks ago, and our new renter’s policy doesn’t start until Monday – does anyone know if moving insurance is a thing? Who would I purchase that through? Or are we just SOL if our stuff all gets stolen?
Post # 3
@StL.Ashley: The moving companies sometimes offer it.
Post # 4
Ask the moving company – they will typically offer it. Our movers automatically insured the move up to $10,000, but we purchased additional insurance to cover the full value of our items for an extra $150 I think.
Post # 5
@StL.Ashley: Certainly dear,
If you’re using a commercial mover, ask them for a certificate of insurance and look specifically for cargo coverage, if your items are stolen or damaged in transit, their insurance will pay.
If you’re moving on your own, call an agent and ask for a new policy with your new residence and advise them that you’re in the process of moving, most homeowners policies cover your personal property anywhere in the world if you’re in the process of moving.
Post # 6
Hmm I think usually the moving company offers it. I’m not sure if there are independent companies you can insure through – worth a Google! Definitely insure – movers break/lose stuff all the time. I’ve seen a lot of craziness with friends who have moved cross country and had stuff lost/broken/assumed stolen. It made me glad that we had crappy grad school furniture that we sold before our cross country move – we shipped clothes/books/nostalgic stuff but really started over furniture-wise and it worked out great.
Post # 7
We don’t have a moving company, though. FI for some unknown reason passed on his company-paid movers and offered for us to drive a uhaul cross-country (why, I will never know, but…yeah).
I’m mostly worried about when we’re spending the night while en route (it’s a 17 hour drive) – I don’t want to wake up in the morning to our uhaul gone!
Post # 8
@StL.Ashley: Check with your old policy and your new policy. You might have to pay extra or something, but I want my stuff insured in that case too!