What insurance cover do you need when moving home?

When moving home, there is a small risk that some of your belongings could become damaged or go missing. This is why it is important to have insurance cover.

If you already have contents insurance, check that it includes house removals. This should cover accidental loss or damage when your goods are in transit. If not covered and you are using a professional moving company, check whether their insurance covers your belongings. There could be an extra charge for this.

If you do have moving insurance, check if there are any exclusions. There could be a maximum compensation value which may not cover expensive items like jewellery or a top class bike. Unless fragile items are professionally packed, they may not be covered. If the exclusions concern you, consider taking out extra insurance coverage.

Even if your home contents insurance covers you for the move, the policy probably won’t automatically transfer to the new home without arranging this with your insurance company. This could be a good time to take out a new contents policy. Fortunately, home contents insurance is not expensive. According to comparethemarket.com, over half (51%) of customers are quoted £64 a year or less for home contents insurance.

If you use Merseyside Movers & Storers for house removals in Liverpool, we’ll help with arranging removal insurance. You can also ask us to expertly pack your belongings for you so that they arrive safe and undamaged at your new home.