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Have you ever wondered why to insure your goods before the move? Insuring is integral to the moving process. Insuring ensures that, in case of an eventuality you will get back a part or the whole of the value of goods that were moved. The State Insurance Department governs and regulates all the insurance companies under its purview.

Though no amount of money can replace the family piano that you have inherited from your ancestors or the oriental rug, a constant reminder of your Asiatic adventures. It is advisable to insure your move. Be it the nature's wrath or an unfortunate happening, anything can cause damage to your valuable possessions.

In spite of owning the Homeowners insurance individuals should opt for moving insurance too. Homeowners insurance covers items, only when they are inside the home; not when they are being moved. Some insurance policies even allow you to insure your choice of goods alone.

Most of the insurance companies will comply to insure your goods, only if you have sought the assistance of professional movers for the moving purpose. If you are moving all by yourself then it is less likely that you will be offered any coverage by the insurance companies.

Insurance paid by the companies differ according to the nature of the move that is taking place viz. intrastate or interstate. If the move is taking place between 2 different states, then the move will be treated as an interstate one. Insurance policies can be categorized into:.

This kind of policy is also known as required liability or limited liability. It ensures that a minimum coverage is offered for the items that are getting moved irrespective of their original cost. The usual coverage is about 60 cents per pound per item for an interstate move and 30 cents per pound per item for a local move. The customer will not be required to pay any extra charges in this policy.

Depreciated value of an item plays a major role in this policy and the customers are expected to pay additional charges too. Movers will consider the entire shipment in general and it is being calculated as $1.25 per pound of the actual shipment weight.

As the name suggests, this policy ensures that the customer receives full replacement value for his goods. Usually this policy is applied to Interstate moves and the price of this policy keeps varying from company to company. It comes with several options of deduction as well. As per this policy, you will be expected to pay a minimum charge of four to five dollars of the actual shipment weight.

While seeking the insurance coverage the customer should make an inventory list disclosing the details of his valuables that are going to be moved. Such information will help the mover to prepare an estimate tailored to the customer's needs.