Does contents insurance cover moving house? (2024)

FAQs

Does contents insurance cover moving house? ›

Contents insurance typically covers your personal belongings while they're in your home or in transit to a new home, according to the III. However, this coverage usually doesn't pay for damage to your belongings when it was caused by movers —whether when they were packing the items or physically moving them.

Your contents insurance may already make provision for moving house, so check any existing policy you have. It may allow 'contents to be temporarily removed from the home' and include a cap on the value of any items. Similarly, if cover isn't included in your existing policy your provider may be able to add it on.

Are my contents covered when moving? Yes, while different home insurance policies have different terms, most will still cover your belongings against loss and damage while they're in transit – you can check with your provider ahead of time to make sure.

It can but not always - it all depends on the provider and policy you have. Some insurance providers offer a level of cover for your contents if damage or loss is caused by events such as theft, flood, fire or road accident while a vehicle is carrying your items to your new home.

Personal property coverage — also known as contents coverage on a home policy — helps cover the cost of your personal items if they are destroyed, damaged, or stolen due to a covered loss or peril. Personal property includes things like furniture, clothing, electronics, and kitchenware.

Full Value Protection Moving Insurance Cost

It covers the replacement value of your belongings if they are lost or damaged during the move. Full value protection insurance is typically more expensive than basic liability coverage, but it is worth the investment if you move valuable or irreplaceable belongings.

The difference between buildings and contents insurance is that buildings insurance covers the physical structure of the property including the walls, roof and floors, while contents insurance covers items inside the property, like furniture and freestanding appliances.

Most contents insurance doesn't include cover for accidental damage. It may be worth adding this if you want cover for mishaps, such as staining your couch or smashing a vase. Also check what isn't covered, for example, damage to clothing or computers.

This type of insurance covers everything you have in your home, from appliances and furniture to clothing and pots.

What does contents insurance cover include? ›

Contents insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen. It includes everything you would take with you if you moved home including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.

Whether it's through savings, using a personal loan, credit card or asking your employer for relocation assistance, there are ways to cover the expenses of a move without breaking the bank. However, it's important to carefully evaluate each option and understand the full cost of each.

It is a good idea to take out home contents insurance to cover your possessions against fire, theft and other risks, such as accidental damage. If something happens to destroy or damage your possessions, it can cost a lot of money to replace these items.

What does “contents limit” mean? Your contents limit is the maximum amount that your insurance company will pay out in the event they have to reimburse you as a result of a claim (it's an important home insurance term worth knowing).

The average annual cost of contents insurance is from £53*. But keep in mind, the cost of your cover is likely to increase if you make a claim. How much you pay will vary depending on a range of factors, including: The amount of cover you need.

All property that is not land property is personal property. Examples of personal property include vehicles, merchandise, furniture, tools, clothing, and oil. For insurance purposes, personal property falls into these classifications: “Contents” – referring to the contents of a building (equipment and inventory);

Your homeowners policy might or might not cover your possessions during a move or when they're in the moving truck. That's why it's essential to ask your insurance provider to find out exactly what your policy covers in this situation.

Coverage for your personal belongings

Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance you have on the structure of the house.