How can I insure my possessions during a move?

There are several ways to insure your possessions while you're moving. Perhaps your current homeowners policy includes coverage for your personal property during a move. The policy may cover your possessions at the new location for a limited time, also. The same coverages, exclusions, and deductibles apply while you're moving as they would for a regular homeowners claim.

If your homeowners policy doesn't include this coverage, you can purchase a policy that's specifically designed to insure possessions during a move. It's known as a floater and is effective only during your move. Or, you can add a floater to the coverage already provided by your homeowners policy.

A third alternative is to rely on the insurance offered by the moving company. You'll want to see its policy before you hire a moving company so you'll know what's covered and what isn't. Also, pay attention to insurance limits. If the company's insurance is not up to your standards, purchase a floater.

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