The binding update of MIPv6 which basically makes a route optimization lets MN bring about high signaling traffic, packet loss and delay. HMIPv6, which introduces the MAP protocol, makes the signaling traffic low, thereby reducing the packet losses and delay. However, it still has the same problem in MIPv6 in the case of macro mobility. This paper proposes HMIPv6 with the address insurance policy. It makes MAP prepare LCoA and RCoA before the macro handover happens. When it happens, MN is able to use them after the registration is done in the foreign network. The perormance can be improved because MAP is composed to assure the address in advance. In addition the MAP sends the BU message during the handover, thereby making the proposed scheme better. The simulation shows that the proposed scheme is about 33% shorter than HMIPv6 in the handover delay and about 22% less than FMIPv6 in the packet loss.