What Insurance Do I Need if I’m Moving?

Are you planning on moving out of state? Along with all the other changes you’ll be making, you’ll need to update your insurance as well.

Moving is a big step that requires a lot of planning, and adjusting your insurance policies may not be the first task that comes to mind. That’s okay! We’ll outline what needs to be done so you can rest easy and know that you’re covered in the event of an accident or property damage.

 

Car Insurance

When you move, you need to make sure your insurance is placed in the state where you’ll be living. Luckily, you’ll have about 30-90 days to get your new insurance set up before it becomes a legal issue. You’ll also need to change the address on yourdriver’s licenseand vehicle registration, but this has to be done within 15 days of making the move in Pennsylvania.

You don’t necessarily need to change your insurance carrier; many carriers span across multiple states or even the whole United States. You’ll need to contact them, though, and let them know that you’re moving in order to update your car insurance policy.

If yourcurrent insurance company does not offer coverage in your new state, don’t panic! You can simply Google insurance companies in your area. The results will likely be overwhelming, so we recommend purchasing insurance through an independent broker as they can shop the best price for you. Moving is expensive and time-consuming, so passing the daunting task of finding a good insurance company to someone with all the necessary resources and experience is going to be your best bet.

As important as switching your car insurance is,do not cancel your current car insurance before you purchase a new policy. Driving without car insurance is illegal and potentially very expensive; if you get in an accident without coverage, you’ll be forced to pay the full cost of the damages out of pocket. Wait until you make the move to switch over your insurance. After all, you have up to 3 months to do so!

Property Insurance

When moving to any new property whether it be a house, apartment, condo, etc. you’ll need to update your insurance to reflect the new address. This applies even if you’re moving to a new location within the same state. Again, you may need to contact an entirely new insurance company to obtain a policy or simply let your current carrier know you’re moving if they have coverage in your state.

If you’re moving into an apartment or condo, some landlords will not allow you to move in without first obtaining a renter’s insurance policy effective the move-in date.The insurance policy that protects the building you are renting only provides coverage for the owner of that building. This means that if the building were to burn down, have a break-in, or experience any other potential loss, you’d be forced to pay for the expenses out of pocket.

Fortunately, renters insurance in Media, PA is cheap. Policies can be as low as $125 per year and ittakes very little time to get a quote. Furthermore, if you bundle with your auto insurance company, you will get a discount. In some cases, this discount is enough to eliminate the cost of a renter’s insurance policy altogether. Give Risk Averse a call at (610) 335-1139 for a quote!

Call Risk Averse Insurancein Media, PA to discuss your homeowners and car insurance.

Risk Averse Insurance is an independent insurance agency in Delaware County that specializes in providing high-quality insurance products at an affordable price.

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I am a small business owner and have been a customer of Risk Averse for seven years. I cannot recommend themmore highly! The entire team is responsive and thorough. My agent, Don, has proactively reached out on a few occasions to recommend new policies that have the same comprehensive coverage for my business, but with a significant cost savings. They always have an eye on making sure my business has the coverage we need, at a competitive price. We are lucky to have them in our corner!
Heather DiGiacomo
Heather DiGiacomo
Don and Megan were extremely helpful and a pleasant to work with. Highly recommend. They went above and beyond to get me insured quickly and at a really good rate.
Jojo Anaya
Jojo Anaya
Friendly, helpful and great prices.
Susan Young
Susan Young
Our construction company recently switched over to Risk Averse Insurance. We moved all of our policies over to this company. Our agent, Don Blizzard, was amazing! He was upfront and explained everything to us so we understood what we were getting. He made the process very easy and the turn around was very fast! There were no issues! Not only did we get great deals, we got better coverage than we ever had. I would definitely recommend this company! They are the best!
Kelly Robb
Kelly Robb
I recently switched to this company this year for all my business insurances and couldn’t be happier. The service my agent Don Blizzard provides is amazing. I started recommending to all my colleagues and family. Definitely worth reaching out for quotes if you’re a business contractor. Thanks again team
Louis Litwin
Louis Litwin
Just had to file a big claim for a stolen vehicle full of all my professional equipment----the policy they wrote allowed me to get real value back for my stolen equipment so I can come back even stronger!! Big thanks to my agent Don Blizzard for doing such a great job!
Ed Sheridan
Ed Sheridan
Don Blizzard is my agent with Risk Averse and he is absolutely the best. He is quick to respond with any questions or concerns I may have, gets me my certs way faster than expected, and is great at explaining things in a way that a layman can understand. I highly recommend Don and Risk Averse Insurance.
Sean Carter
Sean Carter
Don is a great insurance guy he dose my personal and business insurance every time I call he answers and takes time to answer all my questions and guides me in the right steps
Blaine Kunselman
Blaine Kunselman
I have been using them for over 5 years now and I'm very happy with the service; they always do the best to get me the best and current up-to-date deals and excellent to deal with. I recommend.
Chauncey Brown Jr.
Chauncey Brown Jr.
Ive worked with Don for the last few year's. When I started my buisness I knew I needed help and didn't know where to start.I knew I needed an absolute beast of an agent and every other owner/ operator I talked too said if "You don't have Don Blizzard as an agent then you dont have the best agent. "He took a chance and helped me grow my buisness to where its at today. Riskaverse is the absolute best and since starting my buisness all my insurance is through them with help from Don Blizzard. He has a way to explain it to me where I understand my coverage and exposure and the commercial side including Meghan are the absolute best at getting COI'S sent to potential clients within minutes of requesting the copy.Hands down I only go where Don goes and I know whatever policies are written and where my coverage goes my loyalty will always lay with Don.He took a chance and grew with me and I'm forever grateful to all the staff at RiskAverse for being family and buisness friendly and not looking at me as a number or a client but actually caring and finding us the best for which suits our needs.#TeamDonBlizzard #TeamRiskAverse#TeamMegan
James LeBoon
James LeBoon
I work with Don. He has helped lots of my family and friends for their business and personal insurance. He is super responsive, honest, and hardworking to make sure you are fully taken care of in every aspect of your policy. He cares a great deal about each unique situation. I am fully confident anytime I refer Don.
Molly Eckman
Molly Eckman
Anytime I’ve needed assistance, the staff has always been accommodating. I have, and will continue to refer people here.
Allison Parasink
Allison Parasink
The best I've ever used. Don and the team make u feel protected and being able to lay your head on your pillow at night knowing you are protected is worth more than gold.
Dolans Bar
Dolans Bar
Don and his team have been great to work with and always very accessible which is important when dealing with the stress of getting your insurance set up and doing it right. Highly recommend!
Ryan Callahan
Ryan Callahan
I had the best experience. Don helped me with both auto and homeowners insurance in getting us the best price with great service. Highly recommend!
Gloria McAllister
Gloria McAllister
Fred Burns is the absolute best! Highly recommend!
joanne kelly
joanne kelly
Highly recommend!
Jennifer McGonagle
Jennifer McGonagle
My company, APCS Belts, has been a Risk Averse Insurance client for over 7 years now. As a business owner, business insurance is a huge priority. It is imperative that you have the right coverage at a cost that fits your budget. Risk Averse has always assisted us in finding exactly what coverage we need, as well as helped us change coverage when necessary as we have grown as a company. From Workers Compensation to Property & Liability to Commercial Vehicle Insurance, they have helped us navigate through all of that and with the most responsive, knowledgeable, and professional customer service. We have our own dedicated customer service rep who is amazing - always available and able to help us with our many requests and is always on top of our renewals. You cannot ask for a better insurance agency. I would never go anywhere else and would recommend all of my colleagues to use Risk Averse Insurance!
Christine Sarnasky
Christine Sarnasky
Great experience! Highly recommend.
Meg Malick
Meg Malick
Erik W. at Risk Averse has been absolutely amazing to work with. He was extremely transparent and responsive when we needed homeowner’s insurance, making that portion of the mortgage process smooth. He also matched us with a highly ideal insurance provider who is easy to work with as well. It was easy to add on our cars to consolidate things and we also compared some pet insurance options with Erik’s help. He is only a text or call away when we need his help, and he always goes the extra mile! Thanks to Erik and Risk Averse for making insurance - a traditionally confusing and frustrating subject - easy to manage :)
Katya Ivanovski
Katya Ivanovski
Staff always seem eager to help. They are very knowledgeable.
brianna patricia
brianna patricia
Amazing. I will continue to recommend them to everyone
Joey Cav
Joey Cav
I have my homeowners insurance and car I lnsurance with you guys and you guys are always helpful whenever I need you guys
Regine Mazile
Regine Mazile
Everyone at Risk Averse has been so helpful, knowledgeable and kind.
Madeleine Carr
Madeleine Carr
Great Company and customer service
Little johnnys
Little johnnys
Donald F. Blizzard has always provided great customer service and support! His integrity is top notch and I recommend him to all of my family and friends.
JT Gillen
JT Gillen
Risk Averse has saved us so much time and money, always finding us the best plan and rates!
Lauren Blickos
Lauren Blickos
Don gave me sound advice on insurance options.
matt catona
matt catona
Specifically wanted to shout out Jaclyn for her assistance with my vehicle policies. She was outstanding and communicated very well. Any issues or questions that I have, she handles very quickly and efficiently.
antnymit70
antnymit70
Don’s expertise in condo policies made a big difference for me. Highly recommended
Sean Cho
Sean Cho
Don is for the people, and he'll do whatever he can to take care of you. If you're in search for a new Insurance agent then look no further.
Ant
Ant
I've been working with Don for over 10 yrs. Just recently had a claim that my policy covered very well. He is very responsive, always available when i need and proactively contacts me to move my coverage when it makes sense. I'm extremely happy and satisfied with Don and Risk Averse Insurance
Dante DeSans
Dante DeSans
Don has been exceptional to work with. He helped us get through a tough settlement, securing insurance on a tight schedule. He was able to get great rates for our auto insurance as well. He worked to find specific products that worked for our family. He has been responsive to any questions we've had since moving in. He is local and was very knowledgeable about businesses and trades in the area that come highly recommended when we needed suggestions. We definitely recommend using Don at Risk Averse!
John Burger
John Burger
Great company, customer focused and transparently weighed out options. Gave us the best bang for our bucks!
Korey Grice
Korey Grice
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