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Will my Home Insurance cover my furniture while moving?

tony • May 31, 2018

Great question! The short answer is yes.  Let’s explain because there are three things you need to know about home insurance in Florida when it comes to moving.

My stuff covered anywhere?

First, most standard home insurance policies in Florida will typically cover your personal property anywhere in the world.  However, the insurance company generally limits coverage to 10% of your personal property coverage.  So if you have $100,000 in Personal property coverage on your policy – you’ll generally have only $10,000 to cover your personal property during the move.

What about deductibles?

Second, your deductible will apply.  Most home insurance policies in Florida have an All Other Perils deductible of $1000.  This means that your losses must exceed $1000 before your coverage kicks in.

Anything else?

Lastly, standard home insurance in Florida typically covers personal property on a named peril basis.  This means that the policy only covers personal property losses if the loss is caused by perils listed in your policy.  Not included in this list are losses from shifting items, losses from poorly secured items, or losses from moving company neglect.

So what should you do –

If you’re comfortable with your deductible, the 10% limit of coverage and the named perils that are in your policy then you should be good to go with your current home insurance policy.

Prefer more extensive coverage?  Coverage that typically comes with a lower deductible?  Then you should look to secure moving insurance.  Your moving company should be able to help.

Want more tips like this?

Click Here for an article that can help you if your looking to get a home insurance quote.  Click Here to have Hurricane Deductibles explained.

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