Moving to a New Home? Don’t Forget About Your Insurance

Whether you’re moving down the road, relocating to another New Hampshire town, or settling into your dream home in the Lakes Region, buying and selling a home comes with a long to-do list. Between packing boxes, signing paperwork, and coordinating the move, it’s easy to overlook your homeowners insurance. Taking a few simple steps can help make sure you’re protected every step of the way.

Selling Your Home: Keep Your Coverage in Place

Even if you’ve accepted an offer, don’t cancel your homeowners insurance until the sale is officially complete and the closing papers have been signed.

Protect Your Investment – If a fire, windstorm, or other unexpected event damages your home before closing, you could still be responsible for repairs.

Liability Protection – During showings, inspections, and final walk-throughs, your policy can help protect you if someone is injured on your property.

Vacant Home Coverage – If you’ve already moved out but the house hasn’t sold yet, let your insurance agent know. A vacant home may need different coverage than an occupied one.

Buying a New Home: Be Ready Before Closing Day

Your lender will require proof of homeowners insurance before you can close on your new home, so it’s best to plan ahead.

Start Early – Don’t wait until the last minute. Comparing coverage ahead of time gives you more options and helps ensure your new home is properly protected.

Think Beyond the Basics – Every home is different. Depending on where you live, you may want to consider additional protection such as flood insurance, increased liability limits, or extended replacement cost coverage.

Ask About Bundling – If you insure your vehicles, ATV, boat, or other property, combining policies may save you money while making your insurance easier to manage.

Protect Your Belongings During the Move

Moving day is busy, and accidents can happen.

Review Your Current Policy – Some homeowners policies provide limited coverage for personal belongings while they’re being moved, but there may be restrictions.

Consider Additional Protection – If you’re hiring professional movers or transporting valuable items, extra moving coverage may be worth considering for added peace of mind.

Update Your Address – Once you’re settled into your new home, be sure your insurance policies reflect your new address and cancel the old homeowners policy after the sale is complete.

We’re Here to Help

At Pittsfield Insurance, we know that moving is about more than changing addresses—it’s about starting a new chapter. As your local independent insurance agency, we’re here to answer your questions, review your coverage, and help make sure your new home and everything in it is protected from day one.

If you’re buying, selling, or preparing for a move, give us a call. We’ll help you find the coverage that’s right for your home, your family, and your budget.