Moving Insurance and Liability

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This is the Primary question to ask yourself and your family….Could you afford to replace everything in your house if it was lost or damaged?

Additional Protection Coverage from local and interstate moving companies, Moving Insurance and Liability companies and third party Insurance agent Information.

Before you take out the coverage, estimate what your belongings are really worth.
Take into consideration not only the original cost, but also include delivery charges and how easily the items can be replaced. Also remember that any claims for damages or replacement will have to be substantiated by you so keep those receipts handy.

Do I need to buy additional Moving Insurance and Liability coverage when I move?

You're on a tight budget and wonder do you really need a lot of coverage. There's no easy answer. Ask yourself if you could afford to replace everything in your house if it was lost?

If you are covered, get the details such as whether the policy covers loss and repair of damaged goods, the deductible, etc. After doing this you’ll be in a better position to determine whether you’ll want additional Moving Insurance and Liability coverage from the mover, your existing insurance company or an independent agent

Movers are required to provide you with information on what it will cost to place a value on your shipment. You should be provided with a brochure

What is the basic Moving Insurance and Liability coverage offered by Interstate Moving Companies?

The basic insurance that an interstate moving company offers is not going to cover you adequately, especially if you have pretty good furnishings. This basic policy doesn’t cost you anything, but the coverage generally limits the liability of the mover

What Additional Moving Insurance and Liability Insurance is available?

Most interstate movers, however, do offer additional Moving Insurance and Liability insurance and we think you’ll need to take this. There are various forms of coverage, including declared value, lump sum value, and full value protection. Some movers will also offer separate liability insurance through a third party.

What is Basic Carrier Liability-Released Value?

Often called limited liability, it is the minimum coverage required by law. This type of Moving Insurance and Liability insurance is covered in the base price.
Released Value Protection-This coverage is based on the weight of the item and costs nothing. You must request it in writing on your bill of lading. Moving Insurance and Liability Insurance.

What is Declared Value?

This Moving Insurance and Liability coverage doesn’t rely on the weight of items, but instead the declared value. This is the cost less depreciation. This coverage is based on depreciated value of an item, regardless of the current replacement cost. The whole shipment is covered at a value not to exceed the dollar amount that you, the customer, declare. With this option the mover assumes liability for the entire shipment at an amount equal to $1.25 times the weight of your shipment. For example, if your shipment weights 8,000 pounds, the mover will be liable for loss or damage up to $10,000.

If you say nothing about declared value coverage, your interstate mover will automatically give you this Moving Insurance and Liability coverage.

What is Full (Replacement) Value Protection?

This Moving Insurance and Liability coverage covers the full cost of repair or replacement of damaged or lost goods. This option is often referred to as full replacement value protection. This is the most comprehensive insurance plan available for the protection of your goods while in transit. Any goods that are lost, damaged or destroyed during the move will be repaired, replaced or a cash settlement will be made at the mover’s discretion.

What is Lump Sum Value?

This coverage is an extension of declared value Moving Insurance and Liability coverage.

What is Separate Liability Insurance?

Third party insurers generally offer full value protection. The cost of the coverage varies with the deductible that you are willing to accept with

Moving Insurance and Liability coverage.

What is Extraordinary Value Items?

All items in your shipment considered to be of extraordinary value must be identified in a written statement (High Value Inventory Sheet) to your van line agent. These items are defined as having a value greater than $100.00 per pound per article. Moving Insurance and Liability.

For examples of:
* Antiques
* Crystal
* Precious Stones or Gems
* Art Collections
* Currency
* Silver and Silverware
* Cameras
* Figurines
* Video Cameras
* Computer Software
* Furs
* Coin Collection
* Oriental Rugs

If you include items of extraordinary value in your shipment, then you must sign a High Value Inventory sheet prior to your move. In the event of a claim, any settlement is limited to the value you declare for the entire shipment in your Moving Insurance and Liability coverage.

You generally do need insurance when you are moving your furniture and goods to another state or locality. However, before you get too far, we suggest that you call your local insurance agent who handles your current homeowners or renter's insurance policy. You might just be covered adequately for Moving Insurance and Liability Insurance.

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