Moving House and Home Insurance

Sunday, 06 May 2012

It’s that time of year again – spring cleaning has finished and spring moving has begun. Uprooting your life and worldly possessions can bring many challenges to the surface and this is a time when things can easily overwhelm the strongest of individuals.

But here at home insurance provider swiftcover.com, we're all about making things as smooth and easy as possible, so we’ve identified three top tips to help you avoid common house-moving stress:

Don't assume everything will go smoothly

Many of the problems home movers come across when uprooting revolve around the presumption that everything will go smoothly. But this is where people make their biggest mistakes. Plan for all possible problems: the four poster bed may well not fit through the door, the removal van might not arrive on time or be unable to gain easy access, and your belongings may be damaged in transit or wrongly placed in your new home. Identify these possible problems well ahead and prepare for them. Draw up a plan of where you want your furniture to be placed in your new home and make sure you have colour-coded labels by floor or room. Measure doorways and stairs rather than find that there’s no place for the sofa. It’s important to choose a reliable removals company too, who will insure your belongings. If you are moving your furniture yourself, check that your belongings are covered by your home insurance whilst in transit. This process may seem bothersome, but could save you time – and money – in the long run.

Moving house is not just about moving possessions

Make sure you’ve told your insurer and redirected all your post. At the same time, it may be a good idea to revalue what you’ve got, and indeed, what you want to take with you. Moving is a great time to have a clear out, sell or give away any unwanted items. It may also be a good time to revalue your contents insurance.

The move doesn’t end when the last box is dropped off at the door

Your energy may be dwindling after the planning and packing and so it may be tempting to only unpack the teapot and toilet roll, but it’s important to maintain your motivation. You don’t want to be living for months amongst unpacked boxes, especially if you have kids. The longer you leave it, the less motivated you’ll be to do it, so the sooner you can unpack, the better.

When the move is complete and you are enjoying seeing all your things in their new surroundings, enjoy the reassurance that your home is protected against what life can throw at it with a good home insurance policy. Uncork that champagne, treat yourself to a take-away and start living!

Until the 19th June 2012, swiftcover.com home insurance is offering half price Home Assistance cover^. You could also get a 25 per cent discount when you buy a combined buildings and contents insurance policy*.

So let us know! What experiences – both good and bad – have you had when moving home? We’d love to hear from you on our Facebook page. Join the debate with more than 46,000 others at www.facebook.com/swiftcover or follow us on Twitter @swiftcover.

^Half price offer applies to new policies only and is valid for the first year of cover. Offer is valid until 19th June 2012.

*80% of customers who purchased a combined buildings and contents insurance policy between Aug-Oct 2011 achieved this discount. The discount is applied to the annual premium when buildings and contents insurance are purchased at the same time.

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Swiftcover and swiftcover.com are both trading names of AXA Insurance UK plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority