Renter’s Insurance When Moving Between States
I’m not sure if this question has come up recently, but I’m planning to move from the Midwest to the East Coast and will be staying overnight in a hotel during the journey. I’ll have all my personal belongings in my car and I’m a bit concerned about what might happen if something goes wrong, like a break-in while I’m at the hotel.
I currently have renter’s and car insurance through Progressive. My renter’s insurance covers up to $20,000 in personal property. Would this coverage protect me in worst-case scenarios? I hope everything goes smoothly, but I’d like some reassurance.
Just a note: I am leasing my current apartment to someone else and will be moving in with family. My current renter’s insurance is fully paid and valid until the end of the year. Any advice would be appreciated!
It’s great that you’re thinking ahead about your move and considering the potential risks! Generally, renter’s insurance does provide coverage for personal belongings even when you’re moving, but there are a few important points to keep in mind:
Coverage During Transit: Most renter’s insurance policies cover personal property while it’s in transit, but this may vary by policy. Since you’re traveling in your car and staying in a hotel, you’ll want to confirm with Progressive that your personal belongings are still covered if something were to happen while you’re at the hotel.
Hotel Stay: Since you’ll be staying overnight in a hotel, it’s also worth checking if your renter’s insurance covers theft or damage to belongings while in the hotel room. Typically, it should, but it’s best to confirm.
Deductibles and Limits: Make sure you understand your deductible and how it might apply in the event of a claim. Also, ensure that the total value of your personal belongings does not exceed your policy limit (in your case, $20,000).
Car Break-in: If your belongings are stolen from your car during the hotel stay, this situation might be covered by your renter’s insurance, but it can depend on specific policy terms. It’s also a good idea to check if your auto insurance includes coverage for personal belongings in your vehicle.
Communicate with Your Insurer: Given your upcoming move and the unique circumstances of your situation, it would be wise to give Progressive a call. Explain your situation to them, and they can provide specific details regarding your coverage and any necessary steps you may need to take.
Document Your Belongings: Before you move, take an inventory of your items and consider taking photos for your records. This can help if you need to file a claim later.
Since you’re already familiar with your policy, reaching out to your insurer directly will give you the most accurate and peace-of-mind-producing information. Safe travels and best of luck with your move!