3 things to think about when moving house

Moving house can be exciting but also a little daunting. Packing your life up into boxes takes time, you realise just how much stuff you really have and with a lot on your mind, it’s easy to forget about the insurance side of your move. It’s important to make sure you’re covered in case of an accident, like a special family heirloom getting damaged somewhere along the way.

Here are three important things to think about if you are getting ready to move house.

1. Check your contents are insured when moving house

It may surprise you to know, standard home and contents policies don’t usually include much cover, if any, for contents while they are being permanently removed from your house and transported somewhere new.

Some insurers will include limited amounts of cover, but each policy is different, so it's worth checking what is and is not included in your cover. If  you're unsure, always contact your insurer for a bit of help, and if you're with AMP you can download the policies online or contact one of our insurance specialists for a little help.

Paying for professional movers? It’s a good idea to check whether they offer any insurance as part of the deal when moving house.

If you decide you need some more comprehensive insurance, you can usually purchase separate policies or cover extensions. For example, AMP offers household removal insurance that you can purchase for a short period, in addition to your home and contents insurance, to give you comprehensive cover while you move.

2. Update your address with your insurer

When moving house, it’s important to remember that your home and contents insurance cover is for a specific address. That means when you move, you need to contact your insurer to update any existing policies to your new address – otherwise you might not be covered.

Some insurers will offer you a short grace period while you’re moving. With AMP content insurance policies, you will be covered at your old and new addresses as long as you let us know your new address within 30 days of moving.

3. Contents in storage has limited cover

Whether you've downsized or still need time to sort through your stuff and decide what you are bringing with you to your new home, if you're putting some of your belongings into storage for a while during the move process make sure you check your insurance policy so you know how long your contents will be covered for.

Most home and contents policies won’t provide cover for any contents housed anywhere other than your address. If you’re on the move, don’t forget to think about what you're covered for and if you’re not sure what cover you’ve already got already, talk to your insurer.


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