Pays for repairing or rebuilding your home if damaged by a loss covered by your policy—this includes materials and labor charges. When you bought your policy, we reviewed your coverage with you, but if you ever need to make any updates to your policy, contact the GEICO Insurance Agency.
Other Structures Coverage
Pays for covered damages to detached structures, such as garages and sheds on your property.
Personal Property Coverage
Pays for the personal items that may be damaged or destroyed by a covered loss—from furniture, to clothes, to televisions. Lower limits apply for some valuables, such as the theft of jewelry and watches. If you’re worried about protecting your valuables, go online for a free jewelry quote today!
Loss of Use Coverage
Helps pay for additional living expenses if you are displaced due to your home being uninhabitable due to a covered claim. This includes lodging, food, clothing and other necessities in the event of your loss. Keep your receipts to assist in getting reimbursed.
Personal Liability Coverage
Helps protect you—such as by paying for a legal defense—if in the event of a covered loss you are responsible for causing bodily injury or property damage to others. Depending on your assets and insurance needs, you may want to consider purchasing an umbrella insurance policy.
This is the portion of the payment that you are responsible for in the event of damages or a loss before your insurance company will pay for a claim. The amount of the deductible is subtracted, or “deducted,” from your claim payment. The larger the deductible, the less you pay in premiums. That being said, it’s important to choose a deductible that fits your budget.
Proof of Insurance
Also known as the Declarations Page, this includes the coverage limits, effective dates of the policy and policy endorsements. Mortgage companies and other involved parties will want a copy of the Declarations Page.
This is a contractual agreement in which a neutral third party receives and disburses money and documents for the transacting parties. Escrow begins when the buyer and the seller have agreed on an offer. The buyer places “earnest money” into an account that is held by a third party, so the buyer can’t touch it and the seller can’t touch it. Once all conditions are met and the deal is finalized, the money due to the seller is transferred and the buyer officially owns the home.
Inventory the stuff
Create a short, accurate list for yourself or a moving company. Avoid overestimating and overpaying for too many boxes or too large a truck. Ask friends for referrals! Extra tip: don't pay for boxes. There are free cardboard boxes just about everywhere; all you have to do is ask!
Book your move.
Nail down your move-out date. If you are using a moving company or renting a truck, sign your estimate and confirm your plan. Lock in a rental truck early to avoid heavy last-minute rates or truck unavailability.
Whether you’re relocating across town or across the country, if you do hire a moving company, we suggest purchasing insurance through that company to help protect you and your stuff during the big move.
Purge your junk.
Donate, sell, toss and recycle things you don’t want or need. Purge expired medicines and makeup. Keep a give-away box or bags handy. This will make it easier to get rid of items while you purge.
Make a packing kit. Include permanent markers, scissors, different-colored rolls of duct tape and pens. A notebook, bottle of water and snacks, too!
As you pack, set aside items that you’ll need for your trip and the first few days in your new home. Put them in a box labeled “first day,” so you know when to open it once you arrive. Extra tip: color-code your stuff. Pick one color of duct tape for each room in your house and slap a square of it on each side of your box.
Quit stocking the cabinet.
Eat as many perishables as possible and stop grocery shopping. Reducing food=reducing boxes.
Change your address.
Fill out a change of address form with the post office or online at USPS.com. Be sure to update your address with your bank, insurance providers, credit card issuers, mailed subscriptions and other important contacts.
Think outside the box.
Garbage bags are your friends! Think pillows, blankets, socks, undergarments, bathing suits and pajamas. Get creative in combining items. Include socks, shirts, pillows, blankets, and other soft items with your fragile items.
Keep an inventory.
Use the notebook to create a checklist of your boxes. Write numbers on your boxes, and include what each number represents in your notebook.
Visually check whether everything is loaded onto the truck and all applicable paperwork is complete.
Take a final tour of your home to make sure the water and light switches are turned off, windows are locked and closed and nothing is left behind.
Check your belongings as they’re unloaded. Keep a map handy to direct movers where to place the furniture.
Store all of your moving paperwork—you’ll need it for your federal income tax returns.
Start settling in.
Visit your new post office to pick up any mail being held and ask for delivery to begin.
Contact your car insurance company.
Depending on where you’ve moved, you may have new coverage options, prices and savings available to you. Take a look at the coverage requirements for your state to ensure you have the right protection. If you insure your car with GEICO, we’re always a click, tap or phone call away! If not, consider getting a quote with GEICO today.
Register your vehicle.
Check the state requirements for vehicle registration and driver’s license, and make a trip to the DMV. Every state has a different window for when you need to make these transfers, so put this high up on your list. Also be sure to check the DMV website to see what steps can be completed online.
Search for new healthcare providers.
One of the top priorities when moving to a new place is finding a new doctor, dentist, vet and other important specialists for you and your family.
Register to vote.
Conveniently register online, or fill out and mail a Voter Registration Form. This form can be found at post offices and the DMV. We suggest checking the DMV website to see what can be completed online.
Explore your new city and neighborhood.
Enjoy discovering your new favorite hair salon, parks, running and bike paths as well as other hangouts. Figure out which restaurant will be your regular pizza delivery place.
Find a trustworthy local contractor.
Save money by relying on one person instead of many to service your home improvement projects. Asking your neighbors for referrals is a smart way to break the ice and build relationships.
Be sure to keep in contact with your insurance company about updates and improvements to your home—from renovations to better materials—to ensure you’re getting the best rate.
TIP: Where they are placed matters. Since smoke rises, they must be close to the ceiling, but need space between the ceiling and wall. They also don’t last forever. Be sure to replace them at least every 10 years.
TIP: In a back-and-forth sweeping motion, aim at the base of the fire—not toward the flame. They empty fast, so make sure you aim correctly. Make sure to check the pressure gauge (needs to be “full”) and expiration date.
Hover overTap on a circle!
A dollar is roughly 6 inches long.
The citrus fruit can help clean a smelly garbage disposal, cutting boards, white laundry and more.
A combination of bacon and peanut butter is actually the most successful!
Buy gas in smaller quantities, consider adding stabilizer and of course—make sure it’s the right kind of gas.
For interiors, neutral hues are the way to go with their light and airy feel. For the exterior, be wary of dark colors that soak up heat to save on the AC. Keep colors consistent with the architecture and building materials used on the house.
Not only does it give an aesthetic appeal, but sheen provides additional coverage and protection when it comes to wear and tear. This applies to both the interior and exterior of your home.
Never paint a dirty or fractured surface. Remove dust, dirt, soap or grease, and be sure to patch and smooth walls. Place cloths on floors and use painter’s tape on baseboards, trim and moldings.
Your must-haves are a brush, extension pole, roller and liner for the rolling pan. You’ll likely need a ladder, as well.
Make sure someone can hold your ladder sturdy while you’re on it. Wear protective clothing and gear—including gloves and a mask. Open the windows and keep the area ventilated as much as possible.
Working from the top down, paint along the edge of the ceiling in a line from side to side with a brush, as well as the windows, doors and molding. Then get rolling. Keep a “wet edge,” which means rolling on top of wet paint to keep color consistent.
For exteriors, begin with the body and siding, then finish with the trim. Let the pros handle painting anything over one story, since it tends to be labor-intensive and will require the use of tall ladders.
1. Fire Extinguisher
2. First Aid Kit
4. Tool Kit
5. Duct Tape
6. Trash Bags
9. Non-Perishable Food
It’s not just for your kitty! Because of its deodorizing and absorbent qualities, it can assist in cleaning and crafting! Keep areas fresh and get rid of unwanted smells. Sprinkle on yucky spills, like oil and paint. Dry and preserve flowers or place litter in specialty soil for gardening!