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The pros and cons of moving insurance

The most important thing during the move of your residence is the safety of your belongings. Nobody can be insured from a disaster that is why it is so hard to find a moving company you can entrust to. The crucial point of any relocation is the matter of insurance. Today we are going to find out how it should work.

Check List: Types of Insurance

GENERAL LIABILITY

When you shop around to find a decent company for a moving service the first thing you should find out is if they have the certificate of insurance liability. By the state law every moving company is required to have basic coverage based on the weight of your stuff. Thus, in case of loss or damage you will be paid $0.60 per pound.

When preparing for a move, you may be hiring movers, packing, and transferring your homeowners or renters insurance to your new address. But what about getting moving insurance? Most people don't realize that homeowners or renters insurance may not cover loss or damage to your possessions while in transit. Since moving puts your belongings at risk for all kinds of unforeseeable mishaps, having insurance for moving can give you peace of mind should anything go awry.

Here's what you need to know to make sure you're protected for your next move.

DOES MY HOMEOWNERS POLICY COVER A MOVE?

Although it's not standard, some homeowners policies will cover your property during a move. Review your policy or talk with your agent to see if your property is insured while in transit or storage.

WHERE DO I GET MOVING INSURANCE?

Moving companies offer various insurance options, two of which are mandated by federal law. The types are:

WHAT IF I DO THE MOVE BY MYSELF?

Most likely, your homeowners or auto insurance policy won't cover your possessions if you transport it in your personal vehicle or in a rental vehicle. If that's the case, then you assume the risk if you use your own vehicle for the move. Truck rental companies, on the other hand, offer insurance that not only protects the rental vehicle, but also the driver, passengers, and your cargo, depending on the type of coverage you choose.

WHAT DO I NEED TO FILE A CLAIM?

To file a claim of loss or damage, you may need to prove that the lost or damaged item was actually moved by the movers and not damaged beforehand. A comprehensive moving inventory list—which should include items of extraordinary value like jewelry, silverware, and digital devices—can help support your claim, so make sure it is complete before the movers transport your property. It's also wise to take before and after pictures and file your claim promptly to facilitate reimbursement.

Any way you look at it, moving insurance can provide some protection and peace of mind during an extremely stressful time. To learn more about protecting your next move, visit the Federal Motor Carrier Safety Administration's The Household Goods Program.

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