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Does the same renters’ insurance policy move with the insured when they move from one home to another? Within the same city? State? To another state?
Yes. When you move within the same town or state, you only need to update your address, typically. Your premiums may go up or down due to your new address. One of the criteria for premium setting relates to location. A bad neighborhood of high crime costs more in premiums because it increases the risk to the insurance company. Conversely, if you move to a nicer neighborhood in Boise, ID, your premiums could drop.
You need to contact Fuhriman Insurance Agency within 30 days of your move to update your address. Your coverage will lapse if you do not. Your policy covers your belongings at the address on the policy.
Yes. While you move from one address to the other. The standard renters’ insurance covers your items while in transit.
No. When you move from one state to another state, you no longer have coverage. Each state has separate criteria for insurance agents and agencies. You must obtain a new renters’ policy from an insurer within the state.
You may choose to use the same insurance company, but you will need a new agent local to the area.
If you just moved to Boise, ID or you recently moved from one home to the other and need to update your renter’s insurance, call us at Fuhriman Insurance Agency. We can help you obtain the insurance coverage you need to protect your belongings in your new abode.