Update insurance when moving

Check your contents, homeowners, liability, and auto insurance in particular. Do you have legal expenses, travel, or valuables insurance? Check whether your address, household situation, and coverage are still correct there too.

Yes. Give your insurer your new address and moving date. Your premium and coverage may change because of the new address, type of home, security, or value of your belongings. Also check whether your belongings are insured during the move and any temporary storage.

Usually not. Homeowners insurance covers the building itself and is the homeowner’s responsibility. As a tenant, you generally need contents insurance instead. Check whether glass, tenant improvements, or improvements you made yourself need separate coverage.

Homeowners insurance is often required for an owner-occupied home and is generally requested by the mortgage lender. It covers damage to the home itself and permanent fixtures. Start the coverage on the date you become responsible for the home.

That depends on your policy terms. Some policies provide temporary coverage at two addresses or in storage, but conditions, time limits, or maximum reimbursements often apply. Always notify your insurer about temporary storage or a different address.

Give your auto insurer your new address. Your address may affect the premium or risk assessment. Also check whether your parking location, annual mileage, or use of the car will change because of your move.

Sometimes, depending on your contract and terms. For property and casualty insurance, you can generally cancel after the first year with no more than one month’s notice. Always compare the premium, coverage, deductible, and terms before switching.