The benefits of moving insurance

a man reading about the benefits of moving insurance

When you are moving, many things can go wrong. You have to find good movers, rent short term storage Orlando, gather all the packing supplies, and pack everything. These are parts of your move you can take care of. But what happens once the movers come to pick up your items? Then, you no longer can control what happens with your items. For this reason, you need to get insurance. You can never be too safe, especially if you are moving long distance. Your items might get damaged or even worse, movers can lose them. In order not to lose even more money, you should opt for moving insurance. If you still need more information, then here are all the benefits of moving insurance. 

All the moving accidents as one of the benefits of moving insurance 

To better understand the benefits of moving insurance, you should first read about moving accidents. For example, you found a perfect home in the best neighborhood that has decent schools and your job is close. It sounds perfect. Now, you only need to relocate your entire household to your new home. It is expensive to move since Orlando movers prices are pretty high, packing supplies are not cheap, travel to your new home can be expensive, and so on. Most people cannot afford to buy new furniture. However, when you are moving, many unpredictable things can happen. Your movers might drop something, thus damaging the items. It is even more dangerous during transport. Bad road conditions, sudden weather changes, bumpy roads can affect your items. For this reason, it is important to think about the safety of your items. 

broken red bauble on brown floor
Your items might get damaged during the relocation

Take a look at your home insurance 

To lessen the risk of moving, get moving insurance. As mentioned before, accidents can happen. It is always better to be prepared than to regret it later. For this reason, getting moving insurance is the best solution. However, before you go to get one, you might already have one without knowing. The reason is simple, do you have home insurance? If you do, then maybe there is a clause in your contract about relocation. That is why you should check your home insurance first. It can happen that your insurance does not cover the relocation. If this is the case, contact your insurance provider. Many of them will offer moving insurance if the client already is insured with them. Before you try to find some other option, call your insurance provider. This might be the best option, especially if you are moving at the last minute. 

The benefits of moving insurance – independent moving insurance options 

If the home insurance option is not available, then you have to look for other solutions. One of those solutions is independent moving insurance. There are many insurance providers that you can call. Schedule an appointment and see what they have to offer. Make sure you know all the benefits of moving insurance that one company offers. For example, how do they decide on the worth of your items? How much money will you get? In addition to this, should something happen, how do you file a claim? What do you need to bring in order to prove that the damage occurred? Do not get moving insurance before the insurance provider provides answers to these questions. Otherwise, you will waste money on moving insurance that will not fully cover your items. 

two men in suit sitting on sofa
Talk to an insurance provider about moving insurance

How to determine the value of your items? 

It is not easy to determine the value of your items. In addition to this, the value also depends on your situation. For example, if you are moving your office or just some items, then your movers or insurance providers can easily tell you the value. However, when you are moving the entire household, the situation becomes complicated. You are moving probably hundreds of different items which are worth a different amount of money. For this reason, it is almost impossible to determine the exact value of your items. That is why most movers determine the shipment’s value based on its weight. In addition to this, if you have smaller more valuable items, get separate insurance for them. The same thing applies if you are moving your valuable art collection, antique pieces of furniture, family heirloom, and similar pieces. 

The benefits of moving insurance – common policies 

Here are some common moving insurance policies that you can get.  

  • Third-party policies – you can get moving insurance from your movers. However, you are not obliged to get it. For this reason, you can look for third-party policies. See if they offer better conditions. Having said this, keep in mind that your movers will have less liability this way. 
  • Released value – the most common moving insurance that most people get. This option will not cause additional fees as it is included in your moving plan. However, movers have the lowest level of liability, which means they need to reimburse only 60 cents per pound of weight. This is acceptable for your less-valuable items but not for your expensive ones. 
  • Full value – the most expensive and the safest option. The movers will reimburse the full value but you will have to pay for this option. 
sign that says danger
Protect your items from dangers by getting insurance

Moving companies 

Since most people get their moving insurance from their movers, here is what you need to know about hiring movers. First, check moving reviews. See if people are leaving positive comments about their services. Next, check their license. Reliable movers will have a license issued by the FMSCA. In addition to this, you can check their track record by visiting the official website of the BBB. Lastly, do not forget to ask about their services, insurance, hidden cost, and so on. 

Should you get moving insurance? 

As you can see, these would be all the benefits of moving insurance. If movers happen to lose or damage your items, they will have to pay for those same damages. 


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