Is your personal property covered by the HO-3 Homeowner policy while being transported in a moving van?

There are many limitations or exclusions that could apply to your situation. A few examples: if item(s) stolen are used in your business or profession - may be excluded. If the issue is theft and there is no evidence the vehicle was forcibly entered - may be excluded. Please get out your policy and read it. Look for the exact Words that exclude the coverage. Look at exclusions FIRST. If you do not find them, make the insurance company show you where the Words of exclusion are. HO-3 policies are no longer referred to as "all risk". Ho-3 policies are referred as "all-risk with certain exclusions. There are other scenariOS that may exlcude coverage also, but generally the NAMED INSURED's personal property is covered away from the premises with a limitation of 10% of the value of the Personal Property limit of the HO-3 policy, unless it is otherwise excluded and excess of the deductible amount.10% of the personal property limit is not enough to cover many scenariOS that could result from moving.There also will be an "in transit" limitation that could be an even lesser amount. Individual companies also have individual policies. This answer is based on an ISO (Insurance Services Office) insurance policy. Direct writers such as State Farm, Allstate and Country Companies (there are others will have different terms within the contract. My advice is to purchase the freight carrier's coverage or ask your insurance agent if there is a cheaper alternative.