Moving into a new home can be a really amazing experience, but filled with many obstacles before you can rest. When dealing with the move of your possessions and personal items, obtaining moving insurance can be an important consideration. Although most moving companies will get their job done on a professional level, accidents do happen. You should ensure that you protect your possessions and their value. Most companies will give a number of options you can work with to make it happen, since their insurance policies may vary. The following examples will provide you with more information on the subject and how you will benefit from different options:
Making use of the basic insurance options
You will need to figure out some small things when you move house, but depending on your location moving house will not be too different in most cases. A lot of moving companies work with an insurance that allows them to reimburse their clients’ losses per weight in case of any accidents and so on. This is called valuation and is set by the government. (State if making a local move and Federal if you are moving across State lines.) Basic valuation is .60 per pound per item. (More info on this here.)
Items are valued based only on weight – so a bad of potatoes and a bag of jewelry are valued the same for these purposes. Full value protection is a necessary step in making sure you have all your bases covered, allowing you to avoid your items becoming lost entirely as value.
Benefits of having expanded coverage
A lot of moving companies are not allowed to sell insurance as part of the job; they will have limited coverage offered by what they can work with, so they will set the maximum liability the company can offer. Many moving companies will have a single option working for them, as described above. Getting an assessment on the full value of your items is a good way to find a safer way of dealing with this, but it will require you to be well-prepared for it. You can look at your home owner or renter policy to see if there are parts that pertain to moving. Additionally, you can look at companies such as movinginsurance.com for options and pricing on additional coverage.
Moving to a new home is exciting – you get a fresh start, take the stress out of your home move, new opportunities and the chance to make your new place your own. That doesn’t mean it can’t feel overwhelming at times. Luckily, there’s a way to avoid any unpleasantness. Start early, have a plan and do everything you can to make it easy on yourself.
Working out your coverage
There are certain things valuation coverage does not actually cover, which are most often damages during storage, natural disasters and so forth. Moving companies have limited responsibility, so you would do well to keep that in mind when you move on with your moving experience. Call up a moving company and work with an insurance agent to ensure you can find out more on the subject, taking advantage of everything. For more ideas visit: Chelsea man and van services. You should talk to your insurance agent as well with all questions about moving insurance.
