Moving? Protect Your Belongings

Standard homeowners or renters policies typically cover your personal property during a move—but only for certain risks like theft or fire. They don’t cover damage caused by movers dropping boxes or accidents during transit unless you purchase additional moving insurance.

Renting Out Your Home or Apartment

If you rent out your property—even short-term through platforms like Airbnb—your homeowners policy may not cover damage caused by guests or liability claims. A landlord or short-term rental endorsement, or a separate landlord policy, is often needed to fully protect yourself.

Borrowing or Lending a Car

Letting someone borrow your car? Most auto policies follow the vehicle, not the driver, meaning your insurance will likely be primary if they have an accident. However, some policies exclude unlisted drivers or limit coverage, especially for long-term loans.

Common Coverage Gaps

✅ Damage to belongings during a move
✅ Liability for injuries in a rented property
✅ Losses from subletting or short-term rentals
✅ Borrowed or rented vehicles without proper insurance

Ignoring these gaps can turn a simple summer plan into a financial nightmare.

How We Can Help

We can review your homeowners, renters, and auto policies to identify gaps and recommend affordable solutions—so you can focus on enjoying your summer, not worrying about uncovered losses.

Get Peace of Mind Before Your Next Move or Trip

👉 Contact us today for a comprehensive insurance review tailored to your summer plans.

Summer Moves and Rentals: Are You Covered?

Summer is prime time for moves, new leases, and vacation rentals. Whether you’re relocating to a new apartment, renting out your property, or letting a friend borrow your car for a weekend trip, it’s important to know what your insurance actually covers—and what it doesn’t.