Moving to a New Place? Stay Covered with Home Insurance from TD!

Moving is an exciting life event which can leave you with a long list of things to organize and plan for. Although it may indicate a thrilling new chapter in your life – such as moving in with a significant other or relocating for a new job – it can also be stressful and overwhelming at the same time.

Not only do you have to pack up your belongings from your old home, and then unpack them in your new home, there is also the added layer of ensuring your belongings are protected en route.

Here are some things you may want to know about home insurance when it comes to moving.

Will my home insurance cover my belongings when I move?

Yes! With TD Insurance, you can have insurance that travels with you. Accidentally damaging or losing your belongings is a common concern when moving. However, it's less commonly known that your belongings in transit are automatically covered when you move.

If you're moving within Canada, TD Insurance will continue to insure your old home, travelling contents, and contents in your new residence for up to 30 days. And just so you know, we offer home insurance in all provinces and territories!

How will moving affect my coverage?
Will I need different coverage if I'm now a homeowner vs. renter or condo dweller?

If you are moving to a new place, now would be the perfect time to review your coverage. A TD Insurance advisor can help you pick the right type of coverage. Depending on where you are moving to, you may need a different type of home insurance than what you had before, or you may need to add on extra coverage to suit your needs.

For example, if you are moving into a condo, you may want a policy that covers your personal belongings and any improvements that have been made to your unit, amongst other things. Whether you are now a homeowner, renter, or condo dweller, we will provide you with the right coverage tailored to your needs.

If you want to learn more about why you would need home, renter's, or condo insurance and how it can protect you from liability, see below. We'll break down different types of home insurance coverage, so that you can stay better protected when you move. You'll even find definitions of some basic insurance terms that will be handy to know when purchasing or renewing your coverage. 

Will you now be a homeowner?
Learn more about home insurance 

Are you renting?
Learn more about renter's insurance

Are you moving into a condo?
Learn more about condo insurance

Will Moving Impact My Car Insurance Premium?

Besides considering the type of home insurance you will need, if you're moving, it's also the perfect time to review your car insurance policy. There are several factors that insurance companies take into consideration when calculating your car insurance premium, and the location of your new property is one of them!

Your premium may vary depending on where your new location is, how long your commute to work may be, how often you will be using your car now, and the number of drivers on your policy.

However, there are ways to save, such as qualifying for a multi-line discount when you purchase both your home and auto coverage through TD Insurance or combining insurance with your spouse/common-law partner. Here are some other saving tips related to moving, which lists ways to lower your home insurance. 


The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence. Please speak to an Advisor or consult your policy wordings for further details.