Moving house resets almost everything your home policy assumed — the rebuild cost, the suburb risk, the security, even the distance to the fire station. Run through this checklist in the fortnight before settlement and your cover lands accurate on day one.
Recalculate the rebuild, not the purchase price
Insure what it costs to rebuild — demolition, plans, materials and labour at today's rates — never the land-inflated price you paid. Most underinsurance we see comes from carrying the old street's rebuild figure to a bigger new house.
Inventory the contents room by room
Walk each room with your phone camera and list the big-ticket items: appliances, tools, bikes, jewellery. Anything over the single-item limit needs scheduling by name, or it will be capped at claim time.
Mind the timing gap
Cover both addresses for the overlap week, update locks and alarms on day one, and tell us the move date before settlement — contents in transit between homes are covered automatically on Redfern Shield policies.
