Household contents insurance covers moving costs only when an insured event like fire, flood, or a burglary damages personal belongings and makes the apartment uninhabitable. General moving costs due to personal reasons or structural building damage are not covered.
When does household contents insurance cover moving costs?
Household contents insurance covers moving costs if your personal belongings are damaged by an insured event such as fire, flood, or burglary, and your apartment becomes uninhabitable as a direct result.
Are moving costs covered if I move for personal reasons?
Moving costs are not covered if you decide to move for personal reasons such as a job change, relocation, or simply choosing a new apartment.
Does household contents insurance cover moving costs due to structural building damage?
If you need to move because of structural damage to the building, those moving costs are not covered by household contents insurance. Such damage is typically covered by the property owner's building insurance. Typically, your rent should be waived or reduced if you need to temporarily relocate. We recommend discussing this with your landlord.
What types of moving-related damages does household contents insurance cover?
The insurance covers moving costs only when an insured event directly affects your personal belongings, including furniture and household items, causing you to relocate.