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Moving. It can be the best of times. It can be the worst of times. But for better or worse, the average American will change homes 11.4 times during his or her lifetime. Amid the excitement and stress, it’s easy to forget that moving will affect your home and auto insurance. You'll want to be prepared to avoid any additional stress.
Changes to Your Home Insurance
When you realize a move is in your future, turn to a Trusted Choice® Independent Insurance Agent for help. Here are a few subjects you’ll want to discuss:
• Your current home. If you’ve accepted an offer to sell, remember that a fire, windstorm or other damage could easily delay closing or even cancel the sale. An agent can assist in making sure the insurance coverage lasts until the ownership change is formalized.
• If you’ll still own your current home while living elsewhere, your agent needs to know immediately. Failure to inform the insurance company that a home is no longer owner-occupied can significantly affect or even eliminate coverage on it.
• Can you keep the same agent and insurance company? Your current agent and insurance provider may be able to write the policy on your new home, transfer any credits you’ve qualified for and apply any premium you’ve already paid. But if your current agent or provider doesn’t operate in the area where you’re moving, a Trusted Choice agent in your area can help you.
• New neighborhood. New rules? A Trusted Choice independent agent can also offer information about differences in insurance rules between one location and another. For example, your new home may be in a designated flood zone and require flood insurance or be in an area where policies include a separate deductible for windstorms.
• What about personal property? Your stuff is important! Whether you own or rent your current and new home, talk with your agent about how coverage will apply:
1. If your property is damaged while it is being packed or is in storage or transit.
2. If your property is damaged while it is being unpacked at your new place or after it has been moved.
If you need more coverage, an agent will help you explore options. Also, if you are hiring professional movers, remember that they are required by federal law to provide at least a basic level of liability insurance with additional insurance available for purchase.
Changes to Your Auto Insurance
You may be moving, but chances are you’re not changing cars at the same time. Even so, it’s still essential to consider your automobile insurance and contact a Trusted Choice® Independent Insurance Agent. Here are a few
reasons why:
• Your risk exposure could change. This can happen even if you move just across town or
to a different city in your own state. For example, your exposure will change if you are
moving from a rural area to a higher-traffic area, or if your new home is further away
from your work, increasing the total number of miles you normally drive. If you move closer to
and reduce your mileage to work, that's important to discuss with an agent too. This may, in some
cases decrease your premium too.
and reduce your mileage to work, that's important to discuss with an agent too. This may, in some
cases decrease your premium too.
• You may qualify for new discounts or (eek, we’re sorry!) lose ones you currently have.
For example, if you rent your current home but are buying your new one, you may now
qualify for a homeownership discount.
• New state? New laws. If you move to a new state, you’ll need a new policy because auto
insurance is regulated by state law. Note that, as was the case with your home insurance,
your current agent and insurance provider may not operate in your new location. Ask
a Trusted Choice agent in your new area for help in finding a new auto insurance policy.
Make New Memories
It’s an important time to evaluate the insurance on your home, stuff and autos whenever you
move. It’s also the perfect time to take inventory, including photos and video, of your
possessions. That inventory is key to accurately insuring the things you treasure. Some Trusted
Choice agents, like V.F. McNeil Insurance, provide home inventory video service as a courtesy to clients.
Choice agents, like V.F. McNeil Insurance, provide home inventory video service as a courtesy to clients.
Happy moving! Enjoy making your new house or apartment into a home. And remember, you
can rely on a Trusted Choice® Independent Insurance Agent to help you along your way.
About V.F. McNeil Insurance
V.F. McNeil Insurance is a Trusted Choice® independent insurance agency and a member of PIACT (Professional Insurance Agents of Connecticut) that provides its customers with a range of quality insurance products for the needs of families, individuals, and businesses in Connecticut.
