If you take out insurance for your home, it covers any perils that may affect your property. These perils usually include damages caused by natural disasters or other risks, such as theft or fire.
Moving Your Items and Insurance Coverage
Sometimes homeowners wonder if home insurance in Weymouth, MA will cover their belongings while they are moving. In some instances, the insurance will provide protection for damages that occur during a move. For example, if the moving van is involved in an accident while your belongings are being transported, it will probably cover any damages to your personal property in the van. However, the insurance limits may be lower for items in these instances.
That is why you need to rely on the expertise of a home insurance professional. Make sure you know exactly what is covered when you enroll in an insurance plan. You should know both the deductible and the coverage limits set by your policy.
Choosing a Deductible
The deductible for personal property protection for home insurance is the amount you must pay before the insurance covers a loss. For example, if you choose a $1,000 deductible and about $4,000 worth of furnishings are stolen from a moving van, the policy will normally reimburse you for $3,000. As long as this amount is within the required limits of your policy, you will be covered.
If you opt for a higher deductible, you will pay less on your insurance premiums. Therefore, make sure that the deductible is an amount you will not miss if you file an insurance claim. If you have high-valued furnishings or items, you may also want to inquire about extra protection for such items.
Also, keep this in mind – While a homeowner’s policy will normally cover a loss from theft during a move, it usually will not cover any items you damage or break yourself. However, moving companies typically provide insurance protection for this type of risk.
Make the Right Move – Know Who to Call for Your Insurance Needs
You can get your questions answered by contacting a reputable and professional company such as Dailey Tax & Insurance, Inc. Give the company a call at 617-472-8100. Make the right move and contact the company today. You can also visit them on Facebook for regular updates.