Life happens

Moving first. Insurance questions come right after.

Address changes, overlapping policies, inventories, movers, and what happens to your belongings between two homes.

Start with the momentMovingThen check the coverage.

Four things worth checking

Before the details get buried in everything else.

Update the insured address and effective dates.

Photograph valuable belongings before the move.

Check whether property is covered in transit or storage.

Review liability and loss-of-use coverage at the new home.

Keep going

The walls may belong to someone else. Your stuff, liability, and temporary-living costs are another story.

Roofs, pipes, belongings, liability, and the policy language that decides what happens after a loss.