Moving can be a very difficult task because it involves packing up everything you own and moving it to a completely different location. To make the process easier, the services of a moving company is usually needed. However, there is one common mistake that individuals make when employing the services of a moving company and that is underestimating the type and how much insurance coverage is needed in case anything becomes damaged. It is common to check and see that the company offers insurance and just assume that it covers all possible damages and then just go on. This can be quite problematic.
It is not enough to rely on the fact that most moves are trouble free. However, damages do occur and it can be quite the headache. That is why you should invest in insurance coverage because the moving company is not going to be responsible for damage to your property. It is required by them to be as careful as possible, but accidents do happen. By making sure you have adequate moving insurance, you are able to have any broken items replaced or repaired when damaged during the moving process.
Tips to use
You can always check with your home insurance company and see if they have anything in your existing policies that covers you when you are moving. This is a step you want to take before anything else because you don’t want to pay the movers extra for insurance that you already have. If your home insurance company does, ask them if there are any exclusions. If by any chance there is not any coverage or it isn’t adequate, you can ask them for something that will cover the move.
Other things you can do are:
Talk to your movers before making any type of agreement with them. Ask for the details of their coverage such as exclusions, limits, and so on. Many times insurance is included in the quote, but you have to make sure it is adequate. Never move with a company that does not have insurance.
If they do offer insurance, check to see if their insurance covers damage to the premises. If so, you have to tell them as soon as the damage occurs in order for it to be covered. You may also find that they will have you make a list of extremely valuable items and that you’ll have to pay extra for these items being moved.
Policies to look out for
Look for policies that have you pay by weight. This usually works by pound. This policy usually only works according to depreciation value, so you may only receive back the current worth of an item. It is possible to pay extra to cover the value rather than the weight. You also have the option to pay for a full value policy. These types of policies usually give you market value in case damage occurs. However, it will result in the repair, replacement, or payment for the damaged item.
For many individuals, the basic insurance policy that is included in the mover’s price is enough. However, it is especially important for you to pay attention to the policy when you are making a long distance move. That will be an instance in which you’ll probably need more coverage, since the longer distance means a higher risk of damage to your belongings. So just make sure you always read the small print that comes with your moving contract Always look for exclusions and clauses so that you have an idea of what you need to do to protect your items.
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