You’ve taken a new job or just gotten married and bought a new home.
You’ll be moving to a new home in the great state of Iowa. To save money on the move, you decide to rent a truck from a well known rental company. As you’re on your way to your new home, the car in front of you stops suddenly. You rear end it causing considerable damage.
Are you covered?
Moving Truck Rental Insurance
If you initialed and signed yes to the insurance questions on the rental form then you’re covered. That’s because you purchased optional damage waivers and supplemental insurance from the truck rental company.
It’s good to check with your insurance agent, though. Some auto policies do cover a rental truck and your renters or homeowners insurance will probably cover your belongings while in transit.
Again, check with your agent prior to the move to make sure you’re covered; especially since you’re driving a vehicle you’re probably unfamiliar with.
You don’t want to add to the stress of moving and starting a new job by worrying about a truck accident. So, in most cases you’re probably best off buying the rental company’s insurance. It’s inexpensive and it’s reassuring to know that you’re definitely covered.
Contact Thams Agency for a thorough review of this situation. We can help with your insurance coverage so you don’t have any sleepless nights.
Now That You’re Moved In, What About Insurance?
When you move to another state your auto and homeowner’s and insurance will change. Insurance companies apply different rates to different states. Plus state laws may differ.
You can contact your current agent for a referral in your new state or find an agent on your own. But most likely, you’ll need to get another agent (unless your agent is licensed in your new state). Thams Agency is licensed in several states such as Iowa, Nebraska, South Dakota, Illinois, Missouri and Minnesota.
If you move within your state, report your change of address to your agent. Since where you live impacts the rates, it may make a difference in your insurance costs.
If you own a home, you’ll have to keep your insurance in force until the house changes ownership.
For your new home you’ll have to supply proof of insurance prior to purchase. Even if you rent, you may need to provide proof of renters insurance as part of the lease.
You might want to consider getting umbrella insurance as another layer of coverage in the event you’re a victim of our litigious society. The umbrella coverage kicks in after your homeowner and or auto insurance policy liability limit is reached.
If your new home is part of an association, you might want to consider loss assessment coverage. This coverage pays for a loss the association might assess its homeowners for. (For example, if the association gets sued and the judgment is greater than the association’s policy limits, they might ask the homeowners to kick in that overage.)
Finally, if you store belongings in a commercial storage unit, check your homeowners or renter’s insurance to see if they’re covered. If not, you may have to purchase a storage unit policy.
One Insurance Source
Talk with an agent from Thams Agency today. We’ll make sure you get the right auto and homeowner’s coverage. As a leading Trusted Choice Independent Insurance Agent, we have many highly rated insurance companies to choose from.
We will be able to obtain the best value and insurance coverage for your situation by making sure you receive all of your allowed premium discounts,
Thams Agency is a full service agency. We have been doing this since 1930. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products. Call us at 712-263-3193 or contact us.
Our clients say it best….
The agents at Thams make you feel like you are part of a family. They are extremely personable and the level of communication exceeds any company I have had experience with.
Client since 2004
Thams Agency has an honest, and straight forward approach to dealing with customers. They work hard to find the best insurance coverages and prices for the customer, while giving guidance and reasoning for customers to make the most informed decision possible.
After switching to Thams, I feel like I am getting as good, maybe even slightly better property insurance coverage for a whole lot less money. As long as the premium does not take any significant jumps in the next few years then I believe this was a great switch to Thams. Very friendly staff. I feel like I should have gone to see them many years ago.
Brian E.Customer since 2014
You served my folks well and I have found no reason to switch elsewhere. Your company seems rooted in Denison and an asset to the community, which is always an important part of being in business in any community.
Virginia Dobler McCurdyCustomer since 2011
We feel that we have professionals serving our every need at the Thams Agency whether it be house, auto, or health. One stop takes care of all of our insurance needs, and we know it’s done right. P.S. Your offices are lovely. Good move on your part to remodel and maintain the historical attributes of the building while still making it modern.
They have helped reduce my payments with discounts like homeowner, safe driving, multi car, etc. Their rates are better then the old insurance company I had, they just kept raising rates although I had never had an accident (and they didn’t have discounts either). When I first came in to to talk to Todd and ask about their rates, they were 50 % lower then what I was paying. Now they are even lower due to discounts.