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Between all the hauling, heavy lifting, loading, and unloading, it is not unlikely that your goods will become damaged or misplaced during your move.
However, your movers liability for damage or lost items will vary--which is why it is so important to purchase moving insurance. There are several types of moving coverage available, so make sure you are well informed of your options before your move.
Types of Moving Coverage
Replacement Value Protection
The standard compensation for lost or broken possessions offered by movers--as required by law and at no extra charge--is known as Replacement Value Protection. It covers a meager 60 cents per pound per item--meaning your 10-lb, $2000 flat screen televsion set will be worth about $6 if it breaks in transit.
Full Value Protection
To receive more comprehensive coverage you will have to purchase additional insurance. Full Value Protection coverage ensures that you will be compensated the full value of the item in cash, receive a replacement item, or have the damage prepared at no cost to you.
Other Things to Remember
Before signing a contract, make sure you are aware of the company's liability, either under the standard overage they offer or the additional coverage you purchase. Some moving companies will not insure belongings if you have packed them yourself. Knowing what you are entitled to as outlined in your contract will help you when filing a claim later.
Take plenty of pictures of damaged items, and don't throw them away. When you file a claim with the moving company, they may send someone to assess the damage.