Moving soon? Home insurance is essential to protect your new residence and personal belongings. It covers damages, theft, and provides civil liability protection.

In this article, we guide you through the important steps to stay well protected even during your move.

What to do with your home insurance when moving?

Inform your insurer (broker) as soon as possible

Moving soon? Don’t forget to contact your insurer quickly to inform them of your change in situation. This is really important because your contract terms could change depending on your new residence location.

Your home insurance premium can vary quite a bit depending on the type of property you’ll be living in. For example, if you’re moving from an apartment to a house, it’s likely to affect your coverage.

Also know that many banks will require proof of insurance before giving you a mortgage loan. So make sure you have all your paperwork in order at the right time.

Another point to consider: your home insurance often includes civil liability protection. If you become a condo owner, there are specific legal requirements to meet.

In short, contact your insurer as soon as possible to give them all the information about your move. It will save you a lot of trouble!

Check coverage during the move

Here are some important elements to verify regarding your insurance coverage during your move:

• Are your personal belongings covered against theft and damage during transport?
• Does your civil liability protection remain valid while you’re moving?
• Can you get additional insurance for water damage or sewer backups?

Don’t hesitate to contact your insurer before moving to update your policy and ensure you’re well covered by the contract during this transition period. Make a list of your questions so you don’t forget anything!

Compare home insurance quotes for the new residence

Comparing home insurance quotes is an essential step for several reasons.

• Save money: Prices often vary for similar protection. By comparing, you maximize your chances of finding affordable coverage
• Get the best coverage for your needs: Each insurer offers their own protections, exclusions, and conditions. Comparing allows you to choose a quote that truly covers your situation
• Quality support: Beyond price, customer service quality and claim processing speed matter. By comparing, you can also evaluate insurers’ reputation and commitment to their clients
• Better understand your options: Comparing pushes you to ask the right questions, read warranty details, and better understand differences between offers
• Take advantage of competition: Insurers want to convince you. By comparing, you put yourself in a strong position to get more benefits or flexibility

At Gendron Insurance, we take care of finding you insurance with customized coverage based on your needs, particularly when moving.

Confirm activation of your new address

To ensure your new address is properly activated with your insurer, verify that the contract correctly mentions your new residence’s coordinates. Also make sure you’ve received all official documents before leaving your old home and confirm that the replacement value or new value meets your expectations.

Know that on moving day, you’re covered at both your old and new address. But this only lasts for a certain time after the address change, so update your file quickly!

Whether you’re a tenant or owner, these steps will help you properly manage your home insurance when moving in Quebec.

Prepare to transport your furniture and boxes safely

Choose a professional mover

To properly protect your belongings during truck transport, make sure to choose a professional mover. Consider requesting quotes in advance, ideally a few months before your move. This will give you time to compare offers and find the best service for your needs.

Verify the moving company’s insurance (for your belongings)

The moving company must offer adequate protection for your transported belongings. Check common exclusions like valuable items or normal wear and tear. Also inquire about the applicable deductible in case of damage.

Don’t hesitate to ask questions about the company’s civil liability. Make sure their insurance policy is current and covers your belongings throughout the process, including if they’re temporarily stored.

Minimize damage risks during loading

We recommend taking these precautions to reduce risks during loading:

• Pack your belongings securely and label each box
• Distribute weight evenly to avoid accidents
• Inspect furniture and immediately report any damage to the mover

These steps will help protect your furniture and items during the move. Based on your new situation, you can adapt these tips.

Get your home insurance quote today!

Looking for reliable protection for your new residence? We offer customized solutions for both owners and tenants. We understand your unique needs and guide you every step of the way. Fill out our form now for a personalized quote and benefit from our home insurance expertise!

Frequently Asked Questions about Moving and Home Insurance

Does my coverage extend to both my old and new home?

Your home insurance generally protects you in both residences during your move. This protection includes civil liability for potential accidents. Don’t forget to inform your insurer of your new address quickly. Keep in mind that the deductible and certain exclusions may limit your protection during this transitional period.

How do I protect my valuables during the move?

To secure your precious items, pack them carefully with suitable materials. Your policy’s civil liability usually covers accidental damage. However, additional coverage might be necessary for very expensive items. Remember to check your deductible details and coverage limits before starting your move.

What’s the difference between a professional mover and a storage service?

A mover transports your belongings to your new home, while a storage service keeps them temporarily. Your home insurance can complement the protection offered by these providers, but watch out for exclusions like normal wear and tear. For storage, a detailed list of your personal effects is crucial to avoid any disputes in case of loss.

Who assumes responsibility in case of an accident during transport?

In case of an incident during the move, the mover, you, and your insurer potentially share responsibility. Claim procedures vary depending on circumstances and your deductible can influence the reimbursed amount. Your home insurance policy can intervene for material damage or injuries, according to your contract’s specific clauses.