A renters policy follows your belongings rather than your address, which matters a great deal to a household that may be living somewhere else in six months.
Personal property cover generally applies worldwide, at a reduced limit, including during a move.
Three things about belongings that move with you.
Personal property is generally covered away from the home anywhere in the world, at a reduced percentage of the contents limit. For a household that deploys, moves or stores possessions elsewhere, that extension is the most useful part of the policy and the least discussed.
A move handled by a carrier involves their own limited liability, often based on weight rather than value, and your policy covers transit and storage at reduced limits. Between the two there is frequently less protection than the value of a household’s possessions.
Canceling during a deployment leaves stored belongings uninsured and breaks continuous cover, which is itself a rating factor. Keeping a policy running through a gap is almost always the cheaper decision.
Written for a household that may move.
Reduced, but real, and worth knowing before a move.
Storage limits are small and frequently the binding constraint.
Continuous cover is cheaper than restarting.
Tell us whether anything is in storage and whether a move or deployment is likely.
We keep the cover continuous and make sure stored goods are inside it.
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