20th November 2013
As the housing market shows signs of recovery, Gocompare.com warns home buyers thinking of moving themselves to check their home insurance.
Most policies will only cover your possessions during a removal if they are packed and transported by professionals.
The price comparison website compared over 300 home contents insurance policies and found that while most (80%) provide cover for belongings during house removals as standard, and 10% offer it as an optional extra, this typically only applies if they are undertaken by a professional furniture remover. In addition, breakables such as glassware and china are generally only insured if they have been professionally packed.
The comparison revealed that:
Mark Greening, head of home insurance at Gocompare.com, says: “Home removal is an area people look to make savings by either opting for a complete DIY move, or arranging transportation through a professional firm but undertaking the packing themselves. But it is not uncommon for heavy pieces of furniture or fragile items to be damaged during a move, so DIY options could turn out costly if your belongings aren’t insured.
“Whatever approach you decide on, you will need to contact your home contents insurer to let them know of your plans. They will be able to let you know what cover, if any, is provided for your possessions while they are being moved and point out any limits or restrictions.”