Spring is Here!

You know the seasons have changed when you can’t stop sneezing and your eyes can’t stop watering. You know what else can make you sniffle and sneeze? Dust. Yes, it’s that wonderful time of year again – spring cleaning. For some it may be the last cleaning for their house. Say, for example, you are moving soon from E-Ville to Line Mountain, you want to make sure your house looks presentable to sell. You also want to make sure your insurance policy on your old house and your new one are up to date. Keep reading to learn what happens to your insurance policy when you move.

Get Your House Ready
First things first, you want to make sure your house is presentable and ready to be sold. Give it a deep clean. You may not notice all the smells your house brings, but to a stranger – they do. So make sure you clean every surface, floor and tile to make sure your house smells good. You want to make sure every room is clean. So tidy up and make sure everything looks great. Don’t forget the outside, too. Make sure the lawn is mowed and the weeds are pulled. The littlest thing can help improve the chance of selling your house.  Now that your house looks good and you are ready to sell, you need to think about insurance. How much does it change, how much does it stay the same?

It Doesn’t Really Change
It may make you happy to know that when you move your insurance policy doesn’t have to change too much, especially with Deibler, Straub and Troutman covering both areas. There are some factors that could make it change slightly. Depending on the house value you are deciding to purchase, your insurance will mimic that. This would be comparing buying a starter house for $100,000 versus buying a house for $250,000. Since the price and value of the house change, your coverage and policy will have to change too. There is also the instance of, if you move out of the state that you live in now, you are more than likely going to have to find another insurance agent – meaning your coverage is going to change. You can’t keep the same coverage you have now, because your current house and new house are going to have totally different risks. So you will have to get a different coverage, you can’t just change the address on your policy.

How to Cancel Your Policy
How do you cancel your current policy? Talk to your insurance agent, they’ll get you on the correct timeline for your move. You never want to have a period of time where either of your properties are not insured. Depending on how you are paying for your insurance, you may get a refund for stopping your policy. Making sure you are covered throughout your entire move out/in process is crucial. You never know what can happen, so making sure you are covered is very important.

Moving, even if it’s just half an hour away, can be very stressful, so forgetting to do some things can be easy. Make sure you clean your house inside and out so it sells quicker and easier. More importantly, you want to check with your insurance agent about how your coverage is going to change. You’ll work together to determine when it is a good time to end your current policy and when it is good to start a new one. You always want to be covered in case of any damages on your property, so overlapping your policies are normal. From all of us at Deibler, Straub and Troutman we hope you have had a great start to your spring!