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No, homeowners insurance does not typically cover moving expenses. Homeowners insurance provides coverage and pay-outs if you experience damage to the home you currently live in. You’ll need to save separately for moving expenses like hiring movers, renting a tow truck, or shipping your belongings.

Move date means the day that you are relocating your items from one space to another. If you’re renting, your move out date is usually the same as the last day of your lease, but it won’t necessarily be the same as your move-in date to another property.

Typically, local moves involve either renting a moving truck and moving yourself or hiring local movers to do the job. For long-distance moves, options include hiring a full-service moving company that handles packing, loading, transportation, and unloading, or using a self-moving service where you load your belongings into a container or trailer and have it transported. Another option is hiring professional movers for labor-only services, where they assist with loading and unloading your rented truck. You can also opt for moving pods or moving containers that can be transported to the destination.

There are several effective ways to save money when hiring a moving company, primarily by handling some tasks yourself and being strategic with scheduling. Consider these methods:

• Pack Your Own Belongings: You can significantly reduce costs by packing and protecting your items yourself. This includes wrapping delicate items, organizing them into boxes, and taping the boxes closed. You can use towels, clothes, and suitcases to pack belongings and protect breakables.

• Provide Your Own Materials: Source free packing materials from friends and family, or reuse boxes and bubble wrap from a previous move.

• Schedule Strategically: Book your move well in advance. Rates are often lower if you schedule your move on a weekday during the off-season, which typically runs from October through April.

• Compare Quotes: Get moving quotes from at least three professional movers in your area. This allows you to compare services and choose the best value.

• Ask for Discounts: Inquire if the moving company offers any special coupons or deals.

• Purchase Moving Insurance: Protect your investment by purchasing moving insurance, especially for expensive or antique belongings.

• Divide the Labor: While you can save money by packing, it's wise to leave the more dangerous and physically demanding work—like loading, unloading, and moving heavy furniture—to the professionals.