Moving insurance, where does it start, stop, gray area?

[puntloos]

A question about moving. My current house insurance is (to my read) only insuring my house contents while they are actually, well, in the house. (some exceptions like laptops noted).

So - when moving from home A to home B, I wanted to know if typically insurances cover this, to what degree, or, if there are specific insurances I can add?

 

1- From a mover picking up a thing

2- Carrying it up to the house treshold

3- Into the van and on the road

4- Carrying it across the new house treshold

5- Putting it down

 

Am I correct that if I buy insurance for my new home (and starting it sufficiently long before the move) then I would be insured for items 1,2,4,5?

 

Or is "a random dude packing up the item and carrying it" usually excluded from insurance already? Any way for me to cover myself properly?

 

[dpmiller]

isn't that what you're paying the removals firm for?

[puntloos]

1 hour ago, dpmiller said:

isn't that what you're paying the removals firm for?

 

Well, that's certainly an option, but trying to figure out if it's needed.