Life Event
Moving / Relocating
Insurance rates vary by ZIP — a move of even 5 miles can swing auto and home premiums 20% in either direction.
Timing: Update carriers before move; re-quote 30 days after settled.
Coverage adjustments
Auto
ZIP, garaging address, and state minimums all change
Home/Renters
Re-evaluate replacement cost + perils for new climate
Umbrella
Confirm portability to new state
Priorities
- Re-rate auto for new ZIP
- Re-quote home/renters
- Verify state minimums
- Check flood/wildfire exposure
Checklist
- Update address with all carriers within 30 days
- Re-quote with 3 carriers in new state
- Verify SR-22 portability if applicable
Risk alerts
- No-fault states require PIP changes
- Coastal/wildfire zones often need separate flood/fire policies