Moving? We can
help with that.

Moving can be stressful, but getting insurance for your home doesn’t have to be. This guide outlines what to expect before, during, and after a move—including how insurance fits into each step.

 

Find an agent

How it works

  1. Let us know you’re moving
  2. Connect with an agent or representative
  3. They work with you to evaluate your new home and potential insurance needs
  4. They help you create customized coverage for you and your home

Moving in the same state

Moving within the same state is simpler than moving to a new one.

  • You may be able to keep your current agent
  • Some policies can be updated when you move
  • Others may need to be canceled and replaced with a new policy

Moving to a new state

If you’re moving out of state, your current agent may not be able to help you with the policies you need for your new address. Don’t worry—we'll connect you with the people who can help.

  • You may need to find a new agent, unless your current one is a Farmers agent in the state where you are moving.
  • You will need a new home insurance policy
  • Prices and coverage options may change  

When you move, some policies can be updated with your new address. These include auto life, umbrella, and business insurance. Other policies—such as homeowners, renters, condo, landlord, and flood insurance—require a new quote.

Let us know when you’re moving on up.

Your home insurance timeline


6 - 8 weeks before you move

Plan your move and review your insurance

Research insurance coverage for your new home
Learn how your new address may affect your rates and coverage requirements
Gather information about your new property (such as year build, features, and updates)
Update your address with banks, subscription services, and other providers


4 - 5 weeks before you move

Get quotes, compare coverage options, and explore bundling discounts

When you know your moving date or begin escrow, contact your agent for a quote for your new home
If you don’t have an agent yet, find an agent here

Review:

                  • Coverage levels
                  • Bundling opportunities
                  • Available discounts


2 - 3 weeks before you move

Finalize your coverage

Tell your current insurance company when coverage for your old home should end (usually the date you sell the home or move out)
Choose your new homeowners or renters policy
Confirm your new policy start date (typically your closing date or move date)
Make sure your coverage meets any lender requirements


1 week before you move

Prepare proof and avoid gaps in coverage

If you’re buying a new home, share proof of insurance with your lender before closing
Confirm the end date for your current policy
Confirm the start date for your new policy


Moving Day

Transition coverage seamlessly

Coverage for new home starts
Your previous policy is canceled or updated as requested


After you move (0 - 30 days)

Review and update your coverage as needed

Update your home inventory and list of belongings
Review your coverage after you’ve settled into your new home
Consider updating your policy if:
You identify new risks
You make home improvements or renovations
You purchase valuable items that may need additional coverage

Need something else?

We’re happy to help. Just reach out to your agent for anything you need. Don’t have an agent yet? Get started below or call 800-515-1896.

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FAQs

How can I save money on my home insurance?

Here are some ways to save and lower your premium:

  • Use the same insurance carrier for all your policies to maximize bundling discounts.
  • Consider raising your deductibles, or the amount you pay out of pocket on claims.
  • Think about getting a security system and fire alarm.

Read more

What’s the difference between home insurance and a home warranty?

A home warranty can cover service, repairs or replacement of your home’s major appliances and mechanical systems. Home insurance can provide coverage for your house itself and your belongings. It can help pay for damage caused by fires and other perils named in your policy.

Read more

When should I get homeowners insurance when buying a home?

If you’re taking out a mortgage, you’ll probably need homeowners insurance before you can close on a new home. Your home insurance policy won’t go into effect until you close, but it needs to be in place, and, in many cases, you may need to prepay a full year of coverage.

Read more

Commonly asked questions about homeowners insurance

When certain sudden, unexpected disasters strike, like a fire or burglary, homeowners insurance can help you with the cost of repairing or rebuilding your home and replacing your belongings. It also can help with expenses if you’re responsible for accidental property damage or bodily injury to others.

A standard homeowners insurance policy usually covers damage to your home and your property caused by various perils explained in the policy. Typical home insurance policies cover damage caused by:

  • An aircraft, car or other vehicle 
  • Explosions 
  • Falling objects 
  • Fire and smoke  
  • Lightning strikes 
  • Theft 
  • Vandalism and malicious mischief 
  • Some types of water damage   
  • The weight of ice, snow and sleet 
  • Windstorms and hail

Home insurance is not required by law, but if you have a mortgage, your lender can require you to have insurance until the loan is paid off. 

And there are other reasons to insure your home. The average cost of repairs after a kitchen fire was $12,900 in 2024, but costs can range higher depending on how far the flames spread. If a guest slips and falls and you’re at fault, medical and legal costs plus lost wages can add up. Home insurance can help. 

One way to estimate how much home insurance you might need: multiply the total square footage of your home by per-square-foot building costs in your area. (A local real estate agent, contractor or builders’ association should be able to give you a ballpark amount of local building costs.)  

In addition to estimating the cost to rebuild your home, consider how much it will cost to:

  • Replace your belongings 
  • Defray additional living expenses if you can’t live in your home 
  • Protect your financial assets if you are sued

Learn more about home insurance in your state. 

Some damage or injuries caused by a pet may be included under the liability coverage in your homeowners insurance policy. (Some costs related to taking care of a sick or injured pet can be covered by pet insurance.)

Flood damage from rain, overflowing rivers and other water that enters your home from outside typically is not covered by a standard homeowners insurance policy. However, a separate flood insurance policy can help you get the coverage you want. Your home insurance policy typically does cover water damage from a pipe breaking or an appliance springing a leak inside your home. 

If you have assets (property, investments, savings) worth more than the liability coverage limit on your homeowners insurance, you could benefit from umbrella insurance. It provides extra liability coverage on top of your homeowners policy, which can help you protect your finances if you are sued over damage or injuries you cause.

When you’re buying a home, it pays to know what the home inspector is looking for and to have your questions ready. An inspection can let you know if your dream home has major issues — the kind that might make you back out of the deal or negotiate a lower price to cover the cost of repairs.

Specific details about your house — the type, size, location and materials it’s built from — play a big role in the cost of a home insurance policy. The amount of insurance coverage you want and the deductibles you choose impact the cost, too. Insurers also factor in risks in your area, like fire and weather, features like pools and trampolines. 

Find other types of property insurance designed specifically for your home or situation. 

Condo insurance
Condominium insurance can help pay for loss or damage that’s not covered by your HOA and can help with costs if you’re at fault for an injury or property damage. 

Renters insurance
Renters insurance can help you pay to repair or replace your belongings if they are damaged in a covered event and help with costs if you’re at fault for an injury or property damage. 

Flood insurance
Flood insurance, not included in home policies, can help when your home or belongings are damaged by floodwater.

Landlord insurance
Landlord and rental property insurance can help pay costs related to building damage from events like storms and fires, as well as your liability for injuries to tenants and their guests. 

Mobile home insurance
Mobile and manufactured home insurance is generally the same as homeowners insurance but is designed for the risks specific to your factory-built home.