Deductible
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.
Additional Coverage
Depending on where you live, you may want to look into extra coverage for natural disasters such as floods and earthquakes.
Escrow
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
you’re taking.
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.
Start packing.
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.
Fire Sprinklers
Security System
Deadbolt Locks
Smoke DetectorsTIP: 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. |
Fire ExtinguishersTIP: 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.
1. Fire Extinguisher
2. First Aid Kit
3. Flashlight
4. Tool Kit
5. Duct Tape
6. Trash Bags
7. Lightbulbs
8. Batteries
9. Non-Perishable Food
Kitty Litter
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!
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Some discounts, coverages, payment plans and features are not available in all states, in all GEICO companies, or in all situations. Homeowners, Renters, Condo, Pet, Travel, Flood, Term Life, Jewelry, and business operations and property coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. Boat and PWC coverages are underwritten by GEICO Marine Insurance Company. GEICO Auto policyholders could be eligible for a premium discount on their GEICO Marine Insurance policy. Motorcycle and ATV coverages are underwritten by GEICO Indemnity Company. GEICO Portfolio Identity Theft Protection is provided by Iris Powered by Generali and is secured through the GEICO Insurance Agency, Inc. Identity Theft Insurance is underwritten by Generali U.S. Branch. The GEICO Personal Umbrella Policy is provided by Government Employees Insurance Company and is available to qualified Government Employees Insurance Company and GEICO General Insurance Company policyholders and other eligible persons, except in Mass. Commercial auto coverage is underwritten by Government Employees Insurance Company. In some cases commercial auto coverage is provided through GEICO Insurance Agency, Inc., either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers. Business operations and property coverages are written through non-affiliated insurers and are secured through GEICO Insurance Agency, Inc. The GEICO App and site received #1 rankings according to Forrester's 2017 US Mobile Auto Insurance Functionality Benchmark. If you do not wish to receive future marketing mailings from GEICO, please complete the form available at http://optout.geico.com/marketing, or send your full name and mailing address, including ZIP code, to Mail Preference, GEICO Marketing, One GEICO Plaza, Floor 4T, Washington, D.C. 20076. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. © 2018 GEICO