You've taken a new job across the country! Congratulations!

You'll be moving to a new home here in sunny Florida. To save money on the move, you decide to rent a truck from a well known rental company.  As you're driving across the country to your new home, the car in front of you stops suddenly. You rear end it causing considerable damage.

Are you covered?

Moving Truck Rental Insurance

If you initialed and signed yes to the insurance questions on the rental form then you're covered. That's because you purchased optional damage waivers and supplemental insurance from the truck rental company.

It's good to check with your insurance agent, though. Some auto policies do cover a rental truck. And your renters or homeowners will probably cover your belongings while in transit.

Again, check with your agent prior to the move to make sure you’re covered especially since you're driving a vehicle you're probably unfamiliar with.

No matter what, you're probably best off buying the rental company’s insurance. It's inexpensive and you're definitely covered. You don't want to add to the stress of moving and starting a new job by worrying about a truck accident.

Contact us here at Horizon Insurance for a thorough review of this situation. We will give you peace of mind about your insurance coverage.

Now That You're Moved In, What About Insurance?

When you move to another state your auto and homeowner's and/or renter's insurance will change. Insurance companies apply different rates to different states. Plus state laws may differ.

• Auto Insurance- You can contact us if you are moving away from Florida and need a referral in a new state.  We are connected with trusted agents around the country and can make sure to put you in touch with a reliable agent who will take good care of you.

If you move within the state, report your change of address to us. Since where you live impacts the rates, it may make a difference in your insurance costs. 

• Homeowners Insurance- If you own a home, you'll have to keep your insurance in force until the house changes ownership.

For your new home you'll have to supply proof of insurance prior to purchase. Even if you rent, you may need to provide proof of renters insurance as part of the lease.

You might want to consider getting umbrella insurance as another layer of coverage in the event you’re a victim of our litigious society. The umbrella coverage kicks in after your homeowner insurance policy limit is reached.

If your new home is part of an association, you might want to consider loss assessment coverage. This coverage pays for a loss the association might assess its homeowners for (For example, if the association gets sued and the judgment is greater than the association's policy limits, they might ask the homeowners to kick in that overage.).

Finally, if you store belongings in a commercial storage unit, check your homeowners or renter's insurance to see if they're covered. If not, you may have to purchase a storage unit policy.

One Insurance Source

Talk with Horizon Insurance if you're moving anywhere in Florida. We'll make sure you get the right auto and homeowner's coverage for your new surroundings. As a leading independent agent, we have many highly rated companies to choose from.

By making sure you receive all of your allowed premium discounts, we'll obtain the best value and protection for your situation.