When you're moving, you likely have a lot of belongings that are going with you to your new home. So, you may be wondering, does your homeowners insurance protect your things if something happens to them during the move?

The answer is, not necessarily. While homeowners insurance generally does help cover your personal possessions, the loss has to be related to a peril that's listed in your policy.

Covered perils generally include risks like fire and theft. So, if there's a theft out of the moving truck, you may find that homeowners insurance helps cover the loss.

Your homeowners insurance policy may provide coverage for belongings damaged during a move in certain situations. For instance, if the moving truck is in an accident while transporting your belongings and your property is damaged, you'd likely be covered by your homeowners policy. In some cases, though, you may see that your coverage limits are lower while your belongings are being transported during a move. Your insurance provider can help answer any questions about your specific policy.