We all know how stressful moving can be — there's a massive list of tasks to perform. So it's no surprise that making new insurance arrangements might not jump out as your first priority. Whether you are going to college, moving to a new state or moving right down the street, there is a lot to do,
But do yourself a favor: Don't wait. The process isn't as tough as it seems. Below are a few key questions that local State Farm Agent Carinne Leisey-Gulati suggests you use to investigate before moving and transferring insurance. They don't cover everything, but they should get you going in the right direction.
Have you talked to your local South Jersey agent?
If you're happy with your insurance company, give your agent a call. Your agent should be able to tell you whether you'll need to find a new agent and how to transfer your policies to your new address.
If you want to find a State Farm® agent in your new neighborhood, you can use the Find an Agent app to search by ZIP Code. You'll see a map of offices and a list of agent profiles, including contact info. If you need someone right here in Atlantic County, Carinne Leisey-Gulati is located conveniently in Northfield.
What about new insurance? And transferring insurance?
Carinne Leisey-Gulati also feels that talking with an agent is the best way to find out what you'll need to do to get new insurance or transfer your insurance to your new address. She stated that your agent will also help you understand insurance requirements in your new location.
If you're moving between states, keep in mind that insurance coverage varies across states. For example, in California, due to the high frequency of earthquakes, you need to take special precautions to make sure your home is safe and secure in case an earthquake occurs. That's not the case in New Jersey! Different states also have different auto insurance laws, and if you're moving to a new state, you'll need a new auto insurance policy - plain and simple.
Most state laws require you to have homeowner's insurance before you even buy a home. If you're covered by State Farm, you should be able to get a prorated credit from your old homeowner's policy when you're signing up for a new one in a new state.
Are your possessions covered while you're moving?
Depending on how you've chosen to move - hired movers, rental truck, a portable container, or DIY in the back of your old Honda - your property may or may not be covered between the time it leaves your home and arrives at its final destination. Some homeowner policies will cover your property everywhere, regardless of whether it's in your home or in a moving truck. Other policies won't cover anything once it's out your door. So double-check your policy or call your agent.
If your own insurance policy won't cover your property, you can get coverage through your moving company. By federal law, moving companies have to offer supplemental insurance for your property that will cover a set percentage of replacement costs, but you'll need to increase that amount to get full coverage.
Moving can be stressful but if you talk to your local insurance agent – they will able to help. If you are looking for a new agent – call your local State Farm Agent Carinne Leisey-Gulati located at 2303 New Road in
Northfield, NJ. She is here to help make life go right. As a local sponsor of the Press of Atlantic City’s weather forecast with Joe Martucci, she understands that community support is everything. Like a Good Neighbor she is here for you!
For more information on all of your insurance needs call local State Farm Agent Carinne Leisey-Gulati at 609-646-0600 or go to her website at https://bit.ly/3hzx3Yt