If you are preparing to move, you might be wondering if your home insurance covers your personal belongings while they're in transit. Your AMA home insurance provides personal property coverage for perils covered by your policy during a move. In other words, you have the same coverage for your personal belongings while they're in transit as you do while they're in your home.
The following information applies specifically to AMA's home insurance policies.
When dealing with a moving company, you should check for insurance that they provide.
The Transportation peril in your property policy wording covers "loss or damage caused by collision, upset, overturn, derailment, stranding or sinking of any automobile or attached trailer in which the insured property is being carried." This means that if the moving van or vehicle you're using to move with is involved in a collision and your property is destroyed or damaged, it is covered.
Also, if someone breaks into the vehicle containing your property and some or all of it is stolen, coverage is provided by the Theft peril.
There may be a period when you have personal property at both your old and new residences. When both locations are insured by AMA, you can bridge coverage by contacting your AMA representative for a Removal Permit, which provides the necessary coverage at both locations for up to two weeks.
For off-premises coverage while in transit, AMA's Essential and Enhanced policies provide coverage for a limited amount: $1,500 or 10% of the total contents (whichever is greater). AMA's Excel and Exclusive policies provide full coverage, up to your personal property limit, for off premises coverage while in transit. Learn about AMA's home insurance coverage options.
If your move is going to be of some duration (for example, if you're moving into temporary quarters while a home is being built), you may need to store some of your personal belongings for a time.
All AMA policies provide theft coverage for property stored in a storage facility. The Excel and Exclusive policies extend coverage to include other policy perils up to 30 days.
If you have special circumstances that involve situations such as having to store your property, please consult your AMA representative to ensure you have the proper coverage in place.
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