How To Get Great Home Insurance

Even with the help of a reliable and experienced Kansas moving company, moving to a new home has its challenges. Not only do you have to worry about transporting your belongings—but you also have to think about protecting your belongings once you get there. And the best way to do that is by purchasing a comprehensive home insurance policy. But rolling your existing coverage over to your new house isn’t always the best idea. Here are a few tips to help.

Think About the Whole Home’s Value

You’re not just ensuring the structure itself—you’re also ensuring everything you keep inside your house. That means you can’t base the amount of coverage on what you paid for the home. You need to think about the things you’ll keep inside and factor those values into the insurance coverage. Take a look at the items your moving team is transporting. You’ve already estimated their value before signing the contract. Take that information to your insurance agent and let them help you find the right policy.

Shop Around

Even if you’re happy with your current insurance provider, you might still want to shop around for quotes from different insurance companies. Each company determines the premium amounts you’ll pay for coverage differently. This means one provider may offer you cheaper coverage than your current insurance company. But the only way you’ll know for sure is to get quotes from other companies. You may even be able to use these quotes to get your current insurance company to lower your premiums—if they know you’re thinking of switching, they’ll do what they can to keep you as a customer.

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Ask for Discounts

Your new house probably has new amenities. Use this to your advantage and ask your insurance company if you qualify for any new discounts. Remember, things like energy-efficient appliances, security systems, and new roofs all make the house lower risk to insure. This means your insurance company won’t have to pay out for as many claims as a higher-risk home. Often, insurance companies pass their savings onto you in the form of discounts. But they don’t advertise these discounts. You have to ask for them.

Look at Your Credit Score

Unfortunately, insurance companies love to charge you more for their services. And if you have low credit or a higher than normal debt to income ratio, they’ll stick you with higher costs every time. Take a look at your credit score—you should have a general idea of what it is from your mortgage application. If it’s on the low side, see what you can do to build your score up. Pay down credit card balances, pay your bills on time, and avoid taking out additional debt whenever possible. This will help you raise your score and put you in a better place to negotiate rates in the future.

There’s more to moving than just transporting your belongings, and while we can’t help you find a new insurance agent, we can make sure your stuff gets where it needs to go safely. Contact us for a free estimate today.

 

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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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