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Do I need insurance to move house?

When moving home, there are a considerable amount of factors to plan and organise in order to ensure things go smoothly. Using a removals company to assist you with the process can significantly ease the complexity of the process, but there are still factors that could go wrong.


Accidents can easily happen during your move, and it’s important to make sure that your possessions are covered should anything happen to them either in transit, or once they have arrived at your new home.

It’s equally important to make sure that your new home is covered should anything happen to it, even if you have not officially moved in yet. Here, we’ve covered the most frequently asked questions when it comes to insurance and your moving day.

Do I need to cover my items in transit?

No matter how much care is taken by your professional moving company to pack up your belongings safely, damage can occur during transit, so it’s important to make sure you have the correct insurance to cover you.

Check your current house insurance policy to see if it covers you for items carried outside the house, or in transit. If they do not cover your items under these conditions, then you should take out a separate policy to cover your items whilst they are transported to your new destination – be careful to ensure that the excess you will have to pay on any damaged items is not too high.

It can also be useful to check whether your removals company provides any insurance cover for your items – here at Fragile Removals, our services comes with $2 million public liability insurance, and $40,000 insurance for goods in transit that we offer our customers.

When do I need to cover my new home?

You become responsible for your new home at the point of exchange, rather than at the point of completion. This means that when you sign the contracts for your new home, you are responsible, so it’s crucial that you ensure you are fully covered should anything happen to it, no matter how unlikely.

Rather than simply transfer your existing home insurance policy on to your new home, it is a good idea to shop around for a better deal. There are several variables that can affect the cost of your home insurance, including your location, the type of house (or flat/apartment), and even your profession, so shopping around after your change in circumstances will often save you money.

To ensure that your move goes successfully, using the services of a professional removals company is essential. Here at Fragile Removals, our experienced team operate around the clock to ensure that we can facilitate your house move around your schedule.

Operating across Waikato, we take the greatest care to ensure that your belongings are safely packed, transported, and delivered to your new home in their original condition. For more information, simply contact us today and we’ll be happy to help.