You’ve packed up all your things, loaded your moving van and now it’s time for a quick lunch break. When you come back outside, the moving van is gone along with all your stuff. Talk about bad luck. But not to worry, you have renters or condo insurance…right?
Yes, you can insure your move.
Whether you leave a box of dishes at the bottom of the stairs and they’re gone when you come back, or your whole moving van goes missing, rental and condo insurance covers you. You’ll still have to pay your deductible, but that’s a lot less than paying to replace all your things.
Not all replacements are created equal.
So, you bought your TV 5 years ago. At the time, it was state of the art, and one of the best on the market. But what is it worth today? There are a few different ways insurance companies will approach replacing your TV. Some give you actual cash value. That means they will pay you what the TV is worth today. Then there is replacement cost (that’s what Nuera offers). We will make sure you get a new TV that is of similar kind and quality. Depreciation doesn’t apply with replacement cost.
If you hired movers and your belongings were stolen or damaged in their care, be sure to have them make a claim on their insurance policy. The items are their responsibility and you don’t have to pay the deductible and risk an increase on your premiums because of a claim. If the movers were the ones that stole your items (son of a monkey!), then your renters or condo insurance policy will still cover you.
No matter how your stuff went missing, you’ll want to file a police report and try to recover some of the items. At the very least you will need this report for your insurance claim. While having your items stolen on moving day sounds like the worst thing in the world, having tenant or condo insurance will make it a little less awful. Get a quote for rental or condo insurance online and have your policy in place before moving day arrives.