Insurance and Liability
Moving insurance & liability coverage are essential. Because your valuable possessions can damage or lost while they are move. Moving liability insurance coverage is need. When your move is handle through a moving company. And also when you are moving your things yourself.
Residential movers are require to provide valuation. Or Release Value Protection. This is a contractual liability that, moving companies assume. So It is not insurance.
Valuation is provide without any additional charge. It is base on the weight of the items , move and may limit to $0.60 per lb per item. It will cover only a small part of the value of your possessions. And you will need additional coverage.
You can get a higher level of coverage from your house mover by paying an additional amount or buy moving insurance from an insurance company.
Your home mover can provide additional coverage base on the weight of your possessions or on the lump sum value of your possessions as declare you.
The highest level of coverage provide professional movers is Full Value Protection, which pays for repair or replacement of items that are lost or damage. So you will have to meet the minimum coverage value requirements and some deductibles will involve.
Homeowner’s insurance policies may provide coverage for items not on the premises, which is limite to 10% of the value of the policy. It can use to supplement the coverage provide the household movers.
You can also buy moving insurance from an insurance company, which is cheaper than coverage provide to a move company. Insurance coverage will include Acts of God, storms, earthquakes, floods, rioting and civil commotion, etc., which are exclude in coverage provide movers.
Insurance companies have standardize claim settlement procedures and a moving insurance claim is settle in claim adjusters, but not employees of the mover or forwarder.
You can buy moving and storage insurance that will cover your possessions if they will in storage for some time and will handle by more than one moving service.
If you are moving expensive items like antiques, have their value assess before the move and arrange for additional moving insurance coverage for them.
Check you belongings as they are unload at the destination. Report any loss or damage immediately and make a note of it on the inventory before you sign it. You can file a claim in writing within 9 months.
Please fill out the form provide on this page to get free move insurance quotes from the most trust insurance companies.So your contact details will not provide to anyone without your authorization. This is a free offer and there are no commitments involve at all.