I am moving across country. What are my options to insure my property during transit

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   Todd Officer

   President, Officer Insurance, Nashville, TN

   If you have a homerowners/renter/condo policy in force at the time the property is in transit, then there could be some coverage extended from that policy.  With the carriers I represent, most cover 10% of the contents limit "off premisis".  This means if you had a policy with $100,000 in contents coverage, there could be $10,000 of coverage in a situation like this.  I have one carrier who provides 100% of the policy contents limit anywhere in the world.
   
   If there is no policy in force while the property is in transit, check with the moving company to see what options they have available.  Most all policies have specific language to property "off-premisis" so most definately call your local independent agent and ask the specific amount your policy provides for the situation you descirbed.

   Answered on May 6, 2013

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