What is Housemoving?
Housemoving insurance is a specialized type of coverage that protects homes and structures while they are being relocated from one site to another. This type of policy is designed for situations where an entire building is lifted and transported, often by professional house movers using hydraulic jacks and trailers. The coverage helps protect against damage that may occur during the move, whether from equipment failure, road hazards, or unexpected weather conditions.
Who Needs It
Housemoving insurance is essential for homeowners, contractors, and developers involved in moving a structure. This includes:
- Homeowners relocating a house to a new lot
- Contractors specializing in structural relocation
- Historical preservation groups moving buildings for restoration
- Real estate developers repositioning homes for land use
What It Typically Covers
Although coverage can vary by policy and provider, housemoving insurance generally includes protection for:
- Physical damage to the structure during lifting, transport, and placement
- Damage to third-party property caused by the move
- Equipment and machinery used in the move (if scheduled in the policy)
- Liability for bodily injury or property damage to others
Common Exclusions and Limitations
Policies often include exclusions or limits, such as:
- Damage caused by faulty construction or prior structural issues
- Wear and tear, rust, or corrosion
- Earthquake or flood damage (unless endorsed)
- Unapproved routes or unlicensed movers
Always review your policy to understand what is and isn’t covered.
Factors That Influence Cost
Several factors can affect the cost of housemoving insurance, including:
- Distance and route of the move
- Size, weight, and condition of the structure
- Type of foundation and structural reinforcements
- Experience and licensing of the moving contractor
- Coverage limits and deductibles chosen
Proof of Insurance & Compliance
Most jurisdictions require housemoving companies to show proof of insurance before issuing permits. You may also need to meet local, state, and utility company requirements for clearance, route planning, and safety. Be sure to work with a licensed mover who understands your area’s regulations.
How to Get a Quote
To get a personalized housemoving insurance quote, provide details about the structure, location, and moving plan. Our team can help guide you through the process—get a quote today.
Frequently Asked Questions
Does homeowners insurance cover housemoving?
Most standard homeowners policies do not cover damage during structural relocation. A separate housemoving policy is typically needed.
Can I move a house myself without insurance?
While it may be possible, it is strongly discouraged. Moving without proper insurance puts you at risk for serious financial loss and may violate local regulations.
Is insurance required to get a housemoving permit?
In many areas, yes. Local authorities often require proof of liability and property damage coverage before issuing permits.
What happens if the house is damaged during the move?
If you have housemoving insurance, the policy can help pay for repairs, depending on the cause and coverage terms.
How far in advance should I arrange coverage?
Start the process as early as possible, ideally several weeks before the scheduled move, to allow time for underwriting and permitting.
Still have questions? Talk to a local insurance expert.