Moving to Pennsylvania from another state comes with a long list of things that need to be updated. Between changing your address, transferring your vehicle registration, moving into your new home, and getting everything set up, insurance can be an easy thing to overlook. However, your home and auto insurance should be updated as part of your move.
Your insurance needs can change when you move to a new state, and getting everything set up ahead of time can make the transition much easier. If you are moving to Pennsylvania, here are a few of the insurance items you should have on your moving checklist.
Update Your Auto Insurance When Moving To Pennsylvania
When you move to Pennsylvania, your auto insurance policy will need to reflect your new state and address. Where your vehicle is kept, how much you drive, and who regularly drives the vehicle can all play a role in your insurance coverage and rates.
You will also need Pennsylvania auto insurance as part of the process of getting your vehicle registered in the state. If you still need to transfer your title, registration, or license plate, we have a full guide on transferring an out-of-state license plate to Pennsylvania that walks through that process.
It is a good idea to start talking with an insurance agent before your move is complete. That way, you can have your Pennsylvania auto insurance ready when you need it instead of trying to get everything arranged at the last minute.
Make Sure Your Auto Insurance Reflects Your New Pennsylvania Address
Even if you are keeping the same vehicle, moving can change some of the information your insurance company uses when determining your policy. Your new address may mean a different commute and other changes in how often you drive. If other family members are moving with you, you may also need to update the drivers listed on the policy.
Giving your insurance agent accurate information about your new home and driving situation can help make sure your policy properly reflects how your vehicle will be used after the move.
Protect Your New Pennsylvania Home With Homeowners Insurance
If you are buying a home as part of your move to Pennsylvania, setting up homeowners insurance should be another important item on your checklist. Your new home is likely very different from the one you are leaving behind, and it’s important to make sure that your insurance is adjusted for the new value and other specifics about your home. Pennsylvania homes can also face different risks depending on where they are located, which makes reviewing your coverage with someone familiar with the area especially helpful.
Strickler Insurance is located in Central Pennsylvania and works with homeowners throughout PA, so we understand that insurance needs can vary greatly from one part of the state to another.
Buying A Home? Make Sure Your Lender Has The Insurance Information They Need
When purchasing a home with a mortgage, your lender will normally need information about your homeowners insurance before you finish the buying process. Part of this involves adding your lender’s information to your policy through what is known as a mortgagee clause. The mortgagee clause helps protect the lender’s financial interest in the home.
If this is your first time purchasing a home or you are unfamiliar with the term, our guide on what a mortgagee clause is explains how it works and why your lender may request it. Getting this information to your insurance company early can help keep insurance from becoming another last-minute issue before closing.
Consider Bundling Your Home And Auto Insurance After Your Move
Since you are already updating both your home and auto insurance, moving can also be a good time to look at whether bundling your policies makes sense.
Keeping multiple policies with the same insurance company can sometimes provide savings and can also make managing your insurance easier. However, bundling is not automatically the best option for everyone. Comparing your choices can help you determine which combination of coverage and price works best for your situation.
Let Strickler Insurance Help Set Up Your Move To Pennsylvania
There is already enough to keep track of when moving to a new state, and your insurance does not need to make the process more complicated. At Strickler Insurance, we can work with you to get your Pennsylvania home and auto insurance set up as you prepare for your move. As an independent insurance agency, we can help you review your options, understand what coverage you need, and make sure everything is ready when you arrive.
Whether you are moving to Lebanon, elsewhere in Central Pennsylvania, or another part of the state, let us help you get your insurance set up so you can focus on settling into your new Pennsylvania home. Contact Strickler Insurance today to get started.
