Does a Homeowner’s or Renter’s Policy Cover Damage Caused by Movers?

Is That Covered?

If you’re in the process of moving, you know you have about a thousand and one things on your mind. But while packing and moving, what happens if there is damage caused during the move? Will the damage be covered by your homeowner’s insurance? Or if you’re renting and you have renter’s insurance will that policy cover any damage caused by movers? Read on to find out.

Homeowner’s Insurance

When it comes to moving and damages, this seems to be a gray area in the world of homeowners’ insurance. Agents at Upside Insurance say there are certain instances during your move when your items will be covered, and there are times when your items may not be covered. Also, insured values may change as well during the move.

Coverage Provided:

Coverage May Lapse:

  • Damage While in Transit

It seems to be the majority consensus among homeowner policies that if your items and belongings are stolen during a move, even while in the moving truck, your current homeowner’s policy will cover this loss.

Questions of coverage arise if your items are damaged while in transit during your move. Some of the value of your items may be reimbursed, but the value and coverage change due to the fact the items weren’t technically on your property nor is moving listed in most homeowner’s policy list of covered events. Discover more questions and answers about homeowner’s insurance and moving here.

Renter’s Insurance

The same issues arise when it comes to renter’s insurance and coverage during a move. The majority of renter’s policies don’t cover belongings during a move, and the value of reimbursement and coverage eligibility shrinks drastically.

How Can I Insure My Belongings During a Move?

The good news is even though your current policies may not provide coverage for your belongings during a move there is a way to protect your personal property during a move. Most reputable moving companies offer an option to purchase moving insurance through them when you move. The types of policies and coverage available may differ from moving company to moving business so make sure to read through and examine the options carefully. Also, make sure to get a copy of any policy you may purchase. Moving companies offer moving insurance to help give you peace of mind during a move, an already stressful time. Find more information about the ins and outs of moving insurance here.

Also, keep in mind if you transport your belongings yourself, either in your car or a rented moving vehicle, your policies most likely won’t provide coverage.

Final Thoughts

If you’re in the process of moving or will be soon, and you’re concerned about insurance coverage, it’s best to research and find a local, reputable moving company that offers moving insurance to provide coverage, and peace of mind, for you and your belongings.

Tips for Transplanting Your Plants When Moving Out-of-State

For those who love having their home decorated with plants year-round, it can be a real struggle to know what to do with your greenery during a move. While it’s not impossible to do, moving plants takes a certain amount of consideration, and it entails more than just throwing them in a box.

Before you do anything, you have to make sure that the state – and every state in between – doesn’t have any laws against the plants that you’re transporting. While it may seem silly, many states have these laws in place due to the incompatibility of one plant with another, as well as the potential for bugs or infestations.


1. Get Supplies

Once you’ve checked the state and local laws and verified with your moving company that you can bring those plants on their trucks, it’s time to get some supplies together that will keep your plants safe on the move. Here’s a quick list of some general items you’ll need:

  • Potting soil
  • Newspaper
  • Bubble wrap
  • Paper towels
  • Disposable pots
  • Heavy box for each plant to carry in

2. Prepare the Plants for Transport

For some larger plants, you’ll most likely need to cut the plant down to size to fit inside of a box. If you plan on transporting the cuttings with you, place them in a plastic pot and smother it in potting soil, then wrap the tips that you cut with moist towels, securing them with rubber bands.

Make sure you pack the plants correctly to maximize the efficiency (and minimize the mess). Cheap Movers moving Las Vegas, NV tells customers to wrap the pot with a plastic bag to keep the soil contained. Then, gently place the plant in a secure box, lining the sides with newspaper or packing peanuts to make sure it doesn’t tip or spill. Poke some holes in the box to allow for air flow, and then write “fragile” on the side so that anyone carrying it knows to treat that box gently.


3. Getting Them To Their New Home

You have a couple of options to choose from when it comes to transporting plants: mailing them or taking them with you. If you choose to take them with you, and you’re planning on flying to your new destination, it’s best to check with the TSA regulations to ensure your plant meets their requirements. If you’re transporting multiple plants, it may be best to take the clippings with you instead of the whole plant.

Mailing plants is an efficient way to transport your plants, but the cost of moving a heavy pot can be prohibitive, and their safety isn’t especially guaranteed. Still, it’s not a bad option, and if packed correctly with proper insulation and stabilization, can be your best bet.

Regardless of how you choose to transport them, you’ll most likely have to inspect the plants for pests, such as Gypsy Moths, that can destroy vegetation. Once you’ve checked with your local regulations and packaged them correctly, transporting plants is a simple process that should allow you to take your greenery with you to your new home.

Local Mover Tips on Settling into Your New Home in Austin

Moving into a new home can be a very stressful process. Getting to the point of settling into the new home can take time and effort, especially if this is the first time you and your family have done this type of move. Knowing where to begin the process of unwinding and settling into the property can make a difference. We have a few tips on how to make this easier for everyone.

1. One Room at a Time

When settling into a new home, it is vital to avoid getting overwhelmed with the process. This can happen if you start to tackle too many rooms at the same time, which is why choosing one room to start with is important. This may even mean tackling one part of a room at a time, especially in larger areas like kitchens or family rooms. The best Austin movers recommend starting with the kitchen and bedroom essentials first before moving onto the other parts of the house.

2. Check Safety

A very important step that you should take as soon as you move in is to check that all of the safety features, like smoke alarms and carbon monoxide alarms are working correctly. If you need to connect your alarm system, then do so as soon as you move in. You do not want to put your family at risk, and many people end up forgetting to connect all of these features in the hectic process of moving in.

3. Tackle Hard Tasks First

If you hate to set up your home entertainment unit, then that is the first task you should undertake. The moving in process is exhausting, so you do not want to tackle the hardest projects at the end of it. Do them first and get them over with to start feeling more at ease in the property.

4. Set Aside Important Documents and Items

Everyone has important documents, like passports and the like, as well as items that are of value to the family. These items should be placed in a safe location so that they do not get lost in the process of unpacking. Burglaries can occur when a new family has moved into a property, and you want to ensure that all of your valuable items and paperwork are safe. You will be amazed at the peace of mind this simple step will provide.

5. Set Up Utilities

Before the move, be sure to set up your home’s utilities. It’s important to ensure your gas, electricity, and water are turned on prior to your arrival so you can see to start unpacking your moving boxes. See here for a comprehensive guide on how to set up city of Austin utilities.

All of these tips can make it easier for you and your family to move into your new home without fear and stress. Tackling one room at a time can prevent everyone from getting overwhelmed, and ensuring that all safety measures are in place can bring peace of mind. Although moving into a new home will always cause some stress, it does not have to be debilitating if you take the time to plan out what to tackle first carefully.