Critical Questions to Ask When Buying Homeowner’s Insurance

Finding an experienced moving company to help you transport your belongings is one of the most important aspects of moving to a new home. However, if you’re like most homeowners, you’ll want to find a good homeowner’s insurance policy to protect those belongings in your new house. If it’s been a while since you purchased your last insurance policy, you may be wondering what types of coverage your new house needs in order to be fully protected. Here are a few questions you need to ask when shopping for a homeowner’s policy for your new home.

What exactly is my new home worth?

The purchase price for your new house may not always be a good indicator of the actual worth of the property. In fact, depending on the seller’s motivations, the purchase price may be drastically lower than the actual value of the home. Before you buy a policy, think about how much it would cost to build your home from the ground up. This includes replacing all furniture, food, cabinets, outlying structures, and every last detail that makes the house your home. Make sure the policy offers enough protection to cover the full cost of rebuilding. Otherwise, you may be underinsured and you’d have to pay the difference out-of-pocket if the structure was destroyed.

Have my insurance needs changed since I purchased my last policy?

Over time, especially as you acquire more possessions and belongings, your insurance needs will change. The type of coverage you purchased when you first bought your house may not be the type of insurance you need currently. When shopping for a new policy, make sure the coverage limits you’re looking at are enough to protect all of your belongings. Remember, homeowner’s insurance does more than protect the physical structure of the home—it protects the items inside your house as well.

What discounts am I eligible for?

Believe it or not, many insurance providers offer discounts on the cost of your monthly or annual premium payments. However, it’s rare that they advertise these discounts. Before you agree to a policy, ask your insurance agent if there are any discounts you may be eligible for. This will help you save money on the policy and may help make your ideal coverage affordable rather than out of reach.

What does the policy cover?

Unfortunately, insurance policies do not cover every possible disaster. In fact, many do not protect your home against damage due to floods, earthquakes, or mold damage. Before you purchase a policy, it’s important that you understand precisely what the policy covers. If there are areas where your coverage falls short, you may want to purchase supplemental insurance to fill in the gaps.

Once you find the right homeowner’s insurance policy, get your move started off right by hiring the right moving company to transport your belongings. At Eden’s Moving Services, our experienced team will pack, store, and move your most prized possessions across town or across the state. Contact us today for a free estimate on your upcoming move.

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Joe V
Joe V

Joe has been working as a mover since 1997. He is a moving expert that loves to advise and share his knowledge with others. Contact Eden's Moving and ask Joe any moving-related questions you have.

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Vince Ortiz
Vince Ortiz
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These guys were great. Very careful with my furniture and they were quick. Not one ding on the walls either. I highly recommend them. I will be using them again in the future.
Tanner Goodwin
Tanner Goodwin
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I don't know what to say other than thanks Eden's! They helped me move twice now and both were smooth as you can expect a move to be. A broken cup or two but what do you expect, they moved my stuff across state lines and I have broken more moving myself, that is just part of the process. They were great about going over the coverage options too to ensure I was covered for any damages. Always get insurance for a move! Thanks again Eden's, I will recommend you to anyone!
sue tunner
sue tunner
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The movers showed up on time, and did an amazing job dealing with some very difficult pieces of furniture. They moved things that I thought would be impossible to move. They worked hard and fast and were very careful with my walls nothing was scratched. Good work! Thanks!!
Sonic HealingCO
Sonic HealingCO
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The movers showed up on time, and did an amazing job dealing with some very difficult pieces of furniture. They moved things that I thought would be impossible to move. They worked hard and fast and were very careful with my walls nothing was scratched. Good work! Thanks!!
sheina bernard
sheina bernard
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Awesome movers! From beginning to end it was a pleasure to work with polite, friendly and professional group of people. Our sales rep did an outstanding job. our movers and packers (as you can see in the pictures) did a remarkable job and their storage did also a great job since we got our staff without any damage. I will most definitely recommend you to everyone I know! Thank you so so much and keep up the good work!
Sam Nelson
Sam Nelson
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Eden's Moving was one of the best moving experiences I've ever had with a moving company, the movers were timely, professional, hard working, considerate, and knowledgeable. Dawn the scheduler and front office personnel was outstanding with her professionalism and communication. I highly recommend Eden's Moving to anyone seeking movers they will not let you down!
Rachel Cheng
Rachel Cheng
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Thomas, Isaias, and Enrrque did a fantastic job helping us move to a new apartment and the move is really professional. Great service and would definitely recommend it!
Rachel Cheng
Rachel Cheng
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Thomas, Isaias, and Enrrque did a fantastic job helping us move to a new apartment and the move is really professional. Great service and would definitely recommend it!
Nil taragon
Nil taragon
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Highly recommended movers! We hired Edens movers for a local move in Lakewood CO and they did an outstanding job. The movers were professional and friendly and the entire move went smoothly without any trouble. From the start they were organized and clear and the price was more than fair. Thank you for your great job!
Nil taragon
Nil taragon
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Best prices and great to work with. You have to wait a little bit longer for your stuff but they were very upfront about the time frame, gave us a range, and called a few days ahead of time. Our move was difficult because our stuff was in storage (we had already moved and due to another moving company dropping the ball we could not get back to finalize boxing everything up). They did a great job once they arrived organizing our stuff in storage carefully. I would highly recommend.
Kevin Spina
Kevin Spina
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Save yourself the time and trouble of trying to do it yourself or hiring questionable movers - I fully recommend Eden's Moving Services to anyone who needs professional moving services! I used their long distance moving service, their storage service and their packing services and they did a great job. The teams where very professional and the entire move process was perfect.
Julia Johns
Julia Johns
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On time, and worked well with all my new HOA rules for the move in. Worked through a blizzard for us! No damage to anything. Worked quickly & efficiently. Thomas, Alfredo and Baluino are an excellent team! Would highly recommend!
David Mink-Rover
David Mink-Rover
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My household has used Edens four times now with perfect results. The moved a massive Piano off the second floor – safe and quick. I hired them again with my recent long-distance move. The crew showed up on time, they were quick and careful with my stuff, and they made sure everything got placed where I'd need it.. Great experience once again. Will definitely use them again. extremely recommended.
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