Six essential tips for a smooth moving day

The return to warmer weather is a sure sign that the number of people preparing to move is about to take a jump. And while having some sunshine on moving day can be a major mood-booster, the stress that comes with the whole process of packing everything you own and carting it all some place new is anything but.

What many people don’t think of though is that moving day also translates to the potential for an increase in insurance claims, making it more critical than ever to have the proper insurance in place. Anything can happen in the process of moving, so it’s important to be prepared for anything that could unexpectedly take place.

If you’re preparing to move, here are some tips for success.

Plan ahead and stay organized

Whether you’re packing, moving or unpacking, it’s important to keep things orderly to reduce the risk of breakage, or even mover injuries. Clearly labelling boxes and packing in phases can also help this process go smoothly. And while it’s always important to have pictures of valuables for record keeping, it’s even more critical when moving. This will help to identify your valuables if they’re lost or damaged and you need to make a claim.

Hire reputable movers

Heavy items such as sofas and dining tables should never be moved alone. If possible, you shoul consider hiring a reputable moving company with positive reviews. It’s important your movers are licensed and have their own commercial insurance… as important as you having your contents insured, too.

Update your insurance policy

Whether you’re upsizing or downsizing, it’s critical your existing policy is updated to reflect your new address and needs.

If you’re selling your home, it’s important that you keep insurance in place until the new owners take possession. Vacancy can create significant restrictions on water coverages – even if the insurer is aware of the vacancy. If the dwelling will be unoccupied temporarily, it’s a good idea to turn the main water supply valve off.

If you’re renting, you should have tenant’s insurance in place to cover contents and liability, which will also ensure you have coverage while moving into your new home. Tenants insurance is valuable coverage, even if you don’t own a lot of valuable items, because it helps you build up an insurance history.

Know the risks

On moving day, some of the risk has to do with items not being handled properly or stored safely. The longer a move takes and the higher the number of places items are stored temporarily, there is potential for damage. If you’re placing personal items in a storage facility, restrictions and limitations on coverage may apply in certain situations.

If you’ve been given access to your new property prior to taking possession, and you store personal belongings there, you could be out of pocket if you don’t have a proper policy in place.

It’s never too early to talk about moving

Proactively discussing moving with broker will ensure that you’re take the necessary actions to make their move safe and smooth. The more prepared you are, the easier the move will go.

 

Source: insurancebusinessmag.com

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