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Buy the insurance but don't expect to ...
I watched Tanner Van Lines vandalize my furniture at the time of loading by throwing 4 hand trucks and 4 heavy pieces of lumber up into the body of the truck which landed on top of my previously loaded furniture. I reported the event immediately to Lee Tanner. My furniture remained in Tanner care and custody for 3 months. At the time of final destination unloading, immediately the furniture was noted and photographed having crush-type damage (to be expected based on what I witnessed at time of loading). I purchased full replacement cost insurance for $40,000 to cover loss or damage on my shipment. My claim for $3841 has now been turfed-off to a third-party vendor for North American Van Lines. Tanner Van Lines is not involved in resolving the claim at all. To date, I have not been provided with any time frame or plan for how my claim will be resolved, EXCEPT I have been advised that if I try to mitigate or fix or replace my damaged items (about 25 pieces), then my claim may be denied. Forget the nice stories about how Tanner Van Lines will be there for you - and don't expect your insurance claim to resolve your losses.
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