The Basics of Moving Insurance
If you have many valuables and fragile items to relocate, then moving insurance could be for you. Learn more about the basics of moving insurance before your move to ensure that everything goes according to plan.
Types of Insurance
If you are looking into purchasing moving insurance with a moving company, then you have several options to choose from. Declared value insurance does not include the value of specific items in a moving van. Instead, the moving company establishes a rate per pound, which is multiplied by the total weight of your moving goods. The lump sum value, also known as assessed value, is a type of moving insurance that assesses the cost of your items rather than their weight. If you have a few valuable heirlooms to transport to your new home or long distance, then consider purchasing this type of moving insurance. Full value protection offers the optimum moving insurance for clients. It protects any of your household items that are lost, stolen or damaged during the process of moving. Coverage from full value protection moving insurance covers any replacement and repair costs.
Appraising Your Items
Depending on the type of moving insurance you choose, the policy could cover all of your personal items or only the most valuable. To evaluate which policy is best for you, make a list of the most important items you will be transporting to your new home. Include furniture, breakables and other valuables. Estimate the value for each one of your items. Try to take pictures as you pack the items so you have documentation of how your items looked before the move.
Communicating With Your Movers
The most important part of choosing moving insurance is communicating with your moving company. Discuss the variations of moving policies your moving company offers and agree on a minimum and maximum value of covered damage costs. Be sure to talk with the movers about your most fragile or treasured items. If you have a specific way you want your antique furniture to be moved, be sure to convey the information to the movers. This way, you work together for an accident-free and stress-free move.
Do you have more questions about moving insurance? Contact the experts at Hall Lane Moving. We offer packing services, office relocations and long-distance moving, all covered by moving insurance. Call us today at (631) 343-2097.
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