How do I buy moving insurance?

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How do I buy moving insurance?

Asked by Admin on 9/20/2013 under category Moving Companies

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Nicole La Capria
Answered on 9/26/2013

Hello, and thank you for visiting Movers.com!

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.

 

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Full Service Moving
When relocating, you can hire a moving company to do a full-service move. If you undergo a full-service move, your movers will pack your things up in your old home, load them onto the truck, drive to your new location, unload everything off the truck, and unpack your belongings in your new home. Though full-service moves can be expensive, they can provide for a less stressful move – you can sit back and relax as the movers do all the work!
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When looking for a moving company, one isn’t enough. Be sure to get multiple quotes from at least three different moving companies. Don’t just choose the company that offers the lowest rate for your move -- the quality may match the price. Instead, get a few to choose from and ask a lot of questions. Make your decision based on price and services.
Don’t automatically hire the ...
Just because the company is the most affordable, it doesn’t mean it’s the wisest choice. There are many reasons why companies are cheaper than others. You may be getting substandard service or even worse, it may be a scam. Make sure to get multiple estimates and use your instinct when choosing a company.

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