What insurance do I need before moving in?
Don’t move a thing until you read this: What insurance do I need before moving in?
Move in safe — insurance you must have before the keys change hands
Moving day is a sprint. The last thing you want is a costly surprise. Get the right insurance in place before you move in. Simple rules. Big savings. Fewer headaches.
Here’s exactly what you need, why it matters, and the smart moves to protect your stuff and your liability.
Essential insurance to secure before move-in
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Homeowner’s insurance (if you bought a house)
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Must be active by closing day. Lenders require proof. Protects structure, attached items, and often personal property. Ask for an HO-3 or equivalent policy and confirm the effective date matches closing.
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Renter’s insurance (if you’re leasing)
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Covers personal belongings and liability. Low cost, high value. Covers theft, fire damage to your contents, and protects you if someone is injured in your rental.
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Moving / transit insurance
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Movers typically offer two options: released value (very low payout) or full value protection (replaces or repairs lost/damaged items). Always choose full value for high-value items. Get it in writing and confirm limits.
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Title insurance
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Protects against past ownership issues that could derail the property transfer. Buy it at closing if the option is offered.
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Flood, sewer backup, earthquake endorsements
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Standard policies often exclude flood and certain water/sewer backups. If the new property is in a flood zone or older area with sewer risk, buy the endorsements before moving day.
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Storage insurance
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If belongings go into storage during the move, confirm coverage. Movers’ storage options differ from on-site storage facility policies. Insure stored goods separately if needed.
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Rental truck insurance and vehicle coverage
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If you rent a truck, your regular auto policy might not cover it. Buy rental truck insurance or verify coverage with your insurer.
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Personal umbrella policy
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If you have significant assets, an umbrella policy adds liability protection beyond standard limits. Consider before moving valuable items into a new home.
Quick checklist — what to do this week before moving
- Call an insurer and set policy effective date for closing/move-in day.
- Get written mover valuation and choose full value protection for big-ticket items.
- Take photos and inventory of valuables; keep receipts for high-value claims.
- Ask your lender what insurance proof they require at closing.
- Confirm storage and rental-truck coverage if used.
Final word — don’t wait until something breaks
I’m a local realtor who helps buyers and renters finish moves without last-minute surprises. Insurance saves money, time, and stress. If you need a quick checklist, policy recommendations, or trusted mover referrals in the Toronto area, reach out.
Contact Tony Sousa — local realtor and move-in expert
- Phone: 416-477-2620
- Email: tony@sousasells.ca
- Website: https://www.sousasells.ca
Call now. Lock your coverage. Move in with confidence.
