Moving can turn into a terrible headache. One thing you can do to make it less painful is to think about protecting your household possessions while they’re in the hands of a moving company. Movers usually propose varying levels of insurance or valuation protection for different causes of loss.

So you’ll have time to evaluate your moving insurance and valuation options. There are two basic categories of loss that you may face with during a move. It doesn’t mean that this will definately happen to you during your move but sometimes happens. It is not the rule, more about exception.

Two basic categories of Loss

• Damage, marring, breakage, and other types of loss caused by the mover’s or shipper’s carelessness, negligence or accident.
• A casualty loss, such as  a storm, a fire or similar damage that might occur through no interference of the moving company and that often results in damage to other property.

Moving Insurance policies

Most homeowners and renters provide the second type of loss and usually have either a Homeowner or Renter’s insurance policy that covers their personal property. They are of two types:

• An all risk insurance policy includes coverage for any cause of damage or loss such as wear, tear, typically breakage and marring.
• A peril insurance policy provides coverage only for the causes such as fire, lightning, windstorm, etc.

Basic coverage of moving insurance

All moving companies offer two types of coverage .

Released value protection

Choosing released value protection means that you will be recovered for everything at 60 cents per pound. Long-distance movers also offer full-value protection as all of your precious belongings are certainly worth more. The coverage is based on your valuation of the contents you transport. So if you decide all of your belongings are worth $30,000, you would pay about $300 for full-value protection while shipping.

Full-value protection

Full-value protection allows the moving company two options if they lose,destroy or damage any articles during the move. This is also a full replacement value. The moving companies must repair the item so it is in the same condition as it was before the damage. They can also replace the item with one similar of the same cost. Movers are not required to reimburse you for any item that value more than $100 per pound unless it is in the special shipping documents. This is set by the Surface Transportation Board, the federal organization that oversees moving companies.

Expanded mover coverage

There are several options available to consumers to upgrade their coverage. You can ask the moving companies for other valuation options. If your moving company is covering your belongings, it is not insurance. Moving companies cannot sell insurance. Instead, you are paying for stated liability, in other words, you are setting the limits for your moving company’s liability if they damage, lose or destroy your belongings .

Don’t forget about scammers and always stay vigilant when you hire a new company. Remember, the cost of the move shouldn’t be the primary factor in choosing a moving company; it should be the quality of service and their reliability.

Contact us today and our team of professionals will be happy to help you make your forthcoming move fulfilled! We did our best to cover everything for your move: an online moving cost calculator, well maintained moving checklist to make sure you are fully prepared and set to go and finally, the best choice of moving companies. All moving companies listed at moving-me.com are proved to be trustworthy and obtain every possible kind of services connected with your relocation including insurance, packing and unpacking services, cost-effective transportation: everything for your best relocation experience.