What happens if personal property is moved to a new residence after 60 days?

When personal property is moved to a new residence and stays there for more than 60 days, it typically is not covered under the original homeowners policy. This limitation exists because standard homeowners policies are designed to provide coverage specifically for the residence listed in the policy and the personal property located therein. When a policyholder moves their belongings to a new location and does not maintain ownership of the previous residence, the coverage effectively ends after the specified time period.

For individuals in this situation looking for coverage, the appropriate course of action would be to secure a new homeowners policy that includes protection for the new property. This ensures that the personal items will have the necessary insurance backing against risks like theft, fire, or damage. Understanding this timeframe is crucial as it guides policyholders in managing their insurance needs proactively during moves to new residences.