Relocating? Compare Home Insurance Requirements

Compre Home Insurance RequirementsIt’s no secret that moving house is one of the most stressful events you can face in life, and when a relocation means purchasing a new home, you’ll have to compare home insurance to make sure your investment is covered from the day the sale is completed. When you’re moving within the same state, most insurance requirements remain the same, but if you’re moving out of state, or even to the other side of the country, comparing insurance can become complicated due to the regional difference.

Be Informed When You Compare Home Insurance

When it comes to protecting your home, you’re protecting your finances. Let’s face it: in the event of severe damages such as a fire or an earthquake, you’ll need insurance to cover the costs of repairs or even replacement. But beyond the coverage you probably know you need, such as homeowners liability and personal property, you also need to know what the local requirements are. You can find this out by going to your state’s department of insurance. Most of them have an informative website, but you can also contact them by phone to ask for information. This is where you’ll find out how much coverage you need, whether you need extra flood insurance, whether earthquake insurance is mandatory, etc. Use the information you receive to evaluate your own needs, as well as the quotes you get from various insurance agents and brokers. This will allow you to make an educated decision about the best insurance for your personal situation, no matter where you live in the United States.

Moving and Relocating Made Easy

Keep Your Insurance Agent InformedThere are so many things to think about when moving! Be it just 5 miles away or 500, the thought of just packing and unpacking entire household is definitely not an easy task. You would be surprised to realize that you are moving in and out of city or state many number of times and moving has always been a hard learned lesson. Here are some tips which makes your moving and relocating easy.

Tips for Moving

Keep a record: Make a note of everything you need. It makes your packing easy. Before you pack even a small box, list the content in the box and once packed, label or number the box to identify it. Do not carry unnecessary random things which just adds weight and needs extra storage. Get rid off them or donate to a donation center. Remember, having enough boxes will make your life easier!

Packing: Do not pack heavy weighing things in big boxes, try and avoid. Instead pack pillows, linen stuff in big boxes, to make the carry effortless. Let the small sized boxes carry heavy and fragile items. Keep a box which will be easily accessible by you while on move filled with handy things you will need such as toilet paper, drinking cups, a notepad, spoons or forks etc.

Boxes in Truck: Remember, what goes in first into the truck comes out last when you get there to your  new home. Suggestion would be to place your furniture at last so that when you bring down them, it comes first which occupies the home and makes arranging other items smooth. Always make sure to unpack big things in place first and leave the little details like home decor, artwork and mirrors for very last.

Safeguarding things: Keeping things together on moving will avoid loosing out on items needed. Say, keep bookends with books, light bulbs with lamps, and extension cords with appliances in one box. It is not worth the effort to keep all your valuables such as coins, silverware, other collections, or any antiques along with you. Say, If you are traveling a long distance and there is no room for your valuables in car, it is good to carry all of those items buried deep in the box labeled as pantry or kitchen ware.

Mandate: Of all, make sure you inform your home insurance company regrading relocation. Ask your agent to see if you are being covered while on move, also if you are in need of any additional insurance for the mover. Do not forget to find out if any paperwork is necessary for filing a claim, if loss occurs when on move. List all the important bills to be carried with you.

Moving might not be a funny ride you would have ever experienced, but a well planned relocating can get along long distance making the relocation a bearable process.

Will my Relocation Affect my Vehicle Insurance?

To make relocation less stressfulRelocating is always stressful, and one thing you don’t want to be worrying about when you move is your vehicle insurance. Though vehicle insurance rates don’t always change when you relocate, oftentimes they can be lower or higher, depending on where you’re moving to.

Make Sure You Have Adequate Vehicle Coverage
It’s important to understand that each state has its own requirements for minimum insurance rates, and if you’re relocating to another state, you’re best advised to make sure your policy meets the legal requirements for your new location. For example, if you have the minimum vehicle insurance coverage while you’re living in California and you move to Connecticut, chances are you’ll need more vehicle coverage. The easiest way to find out if you need to adjust your vehicle insurance is to contact your insurance carrier as soon as you know where you’ll be relocating, and ask what the consequences will be for your vehicle coverage and rates.

Crime Rates Affect Vehicle Insurance Rates
If you’re not moving out of state, you might still find your vehicle insurance rates change. If you move from a city with a high crime rate to a rural area without adding a large amount of miles to your weekly drive, you can be sure your vehicle insurance rates will drop. But if you move from the suburbs to an inner city apartment building with only street parking, you’re probably looking at a significant rate hike because your vehicle is more at risk of being damaged or stolen.