Insurance after moving What you need for your new home
Changing GEZ registration when moving: rules, deadlines & costs
Moving brings many changes with it – a new neighbourhood, new routes to work and, not least, a long list of tasks that need to be completed. But amid all the hustle and bustle, one important matter should not be overlooked: the broadcasting fee, also known as the GEZ fee.
The right moving insurance – security from the start
A move always involves certain risks. Whether during furniture transport or loading and unloading, damage can occur quickly. This is exactly where moving insurance comes in, covering both private moves and professional transport.
Why moving insurance is important
Even with a professional moving company, unforeseen damage can occur. With moving insurance, you are on the safe side if your furniture is damaged. Professional moving companies such as DACHSER & KOLB often offer insurance policies that cover a large part of the items being moved. It is worth finding out about the insurance packages offered before the move and checking whether they sufficiently cover the value of your belongings.
Defining the right insured amount
When considering moving insurance, you should make sure that the insured amount is high enough to cover all your belongings. A detailed inventory list helps you determine the value of your furniture, electronics and other household items and ensure adequate protection.
Household contents insurance when moving – protection for your new home
After moving, it is especially important to update your household contents insurance for your new home. This insurance protects your belongings against risks such as burglary, fire, tap water damage or storms. But what happens during the move itself? There are a few important points to consider here.
Household contents insurance during the move
Many household contents insurance policies also provide cover during the move, although this usually only applies if the move is carried out by a professional company. To make sure your household contents are adequately insured during transport, you should ask your insurance provider whether your policy also covers the move. If this is not the case, you can take out special moving insurance to close this gap.
Updating household contents insurance after moving
After moving, you should update your household contents insurance for the new apartment. The value of your household contents and the living space are important factors that determine the premium amount. If you move into a larger apartment after the move or have purchased more expensive furniture, you need to adjust the insured amount accordingly. A changed residential location, such as a city centre or rural area, can also affect the premiums.
Tip:
Notify your household contents insurance provider of your move no later than one week after moving day to ensure continuous cover.
Liability insurance when moving – protection against compensation claims
Private liability insurance is one of the most important insurance policies overall, especially when moving. It covers damage you cause to third parties – and during a move in particular, mishaps can happen that become expensive.
Liability insurance during the move
If you help friends or relatives move and accidentally cause damage in the process, this can quickly lead to tension. However, with liability insurance for moving, you are covered against such mishaps. Example: if you accidentally damage the walls of the new apartment while carrying a piece of furniture, liability insurance steps in and covers the repair costs.
Who is liable for damage?
If you hire a moving company, it is responsible for any damage to the items being moved. However, it is still worth checking the liability limits in the contract carefully. For damage caused by you or private helpers, liability insurance usually applies.
Further important insurance policies for your new home
In addition to moving insurance, household contents insurance and liability insurance, there are further insurance policies that may be useful after a move:
Residential building insurance
If you are moving into your own house, residential building insurance is essential. It covers damage to the building itself caused by fire, storm, hail or tap water. This insurance is especially important for homeowners, as damage to the building can quickly become very expensive.
Glass insurance
Large glass fronts, glass doors or glass tables give a home a modern and light-filled atmosphere. But glass can break easily. Glass insurance protects you against the costs caused by glass breakage.
Legal expenses insurance
Legal questions can also arise during a move – whether in relation to the rental agreement, tradespeople’s services or other disputes. Legal expenses insurance can help ensure you are well protected in the event of a legal dispute.
DACHSER & KOLB – your partner for a stress-free and secure move
As an experienced moving company, we at DACHSER & KOLB know that moving is not only about transporting furniture from A to B, but also about your safety and protection. We offer comprehensive moving insurance options so that your belongings are optimally covered. Our goal is to make your move as stress-free as possible – so you feel comfortable and secure in your new home from the very beginning.
Frequently asked questions (FAQ) about moving insurance
Do I need moving insurance?
Moving insurance is not legally required, but it is highly recommended. It protects your belongings against damage during transport, especially for valuable or fragile items. Moving insurance ensures that you are not left paying the costs yourself in the event of damage.
What types of moving insurance are available?
There are mainly three types: the moving company’s liability, which is often included in the standard price, transport insurance for damage during the move and all-risk cover, which also covers risks beyond transport. Which insurance is best suited to you depends on the type of move and the value of your belongings.
What does moving insurance cover?
Moving insurance usually covers damage to your property during the move, such as breakage, scratches or loss. The exact conditions vary depending on the insurance company and the selected tariff. It is advisable to clarify the details in advance.
Is moving insurance included in the price of the moving service?
Basic liability through the moving company is often included in the service, but damage to valuable or fragile items is not always covered. It is worth adding extra insurance cover options if you are transporting valuables or expensive furniture.
How high is the insured amount for moving insurance?
The insured amount varies depending on the value of the items being transported and the type of insurance. As a rule, you should estimate the value of your belongings and ensure that the insurance covers this value. A moving company can help you choose the right insurance cover.
How do I report damage during the move?
If damage occurs during the move, you should document it immediately, for example with photos. Inform the moving company straight away and report the damage to the insurance provider. Damage often has to be reported within a specific deadline.
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Donna Draganov
Teamlead Customer Service & Sales - ROAD
Well insured after moving
After moving, it is important to update your insurance policies and ensure that your new home is optimally protected. Moving insurance, household contents insurance and liability insurance when moving are essential for minimising risks and being prepared for unexpected events. With DACHSER & KOLB as your moving partner, you receive expert advice and can enjoy the start in your new home worry-free.
