If an insured is moving to a new location, how long does personal property coverage apply to both locations on a pro rata basis?

When an insured is moving to a new location, personal property coverage is extended to both the old and new residences for a limited time on a pro-rata basis. This temporary coverage is designed to offer protection during the transition period, which can involve moving personal belongings from one place to another.

The correct duration of this dual coverage is 30 days, which aligns with policy conditions that many dwelling insurance policies follow. This 30-day period allows the insured sufficient time to properly settle into the new residence without facing coverage gaps for their personal property during the move. After these 30 days, the coverage reverts to the primary residence unless further arrangements are made or coverage is adjusted to reflect the new location as the primary home.

This understanding is crucial for ensuring adequate insurance coverage while navigating the complexities of moving.