Does Renters Insurance Cover Me If I Move? 
The standard renters insurance policy form , the HO-4 , often contains language giving you 30 days of coverage at both your old home and your `` newly acquired principal residence . '' However , it 's important to inform your insurance agent of the move . If you move to a lower risk area , doing so may even save you a few dollars . Since insurance policies vary by individual state laws , if you move between states your insurance agent will write a new policy for the new state and transfer money you 've pre-paid to the new policy . Be aware that not all renters insurance policies are written on the HO-4 form . For example , the HO-BT policy form which is specific to Texas renters insurance will cover the personal property at each location only based on the proportion of the total property which is at that location . The HO-BT also provides the lesser of $ 1,000 or 10 % of the total personal property coverage for property in transit between your old home and your new one . 