What to Ask About Moving ‘Insurance’

What to Ask About Moving ‘Insurance’

As you plan your move, there are certain things you definitely need to discuss with your potential moving company. When meeting with potential movers, be sure to check out the following with them:

  • What kind and how much liability coverage do they provide?
  • How do they handle loss and property damage?
  • What does the contract say about the estimated value of your belongings?  Does it match your own list?
  • What is their process to submit a claim when something is lost or damaged?
  • Does the moving company have any outstanding complaints or claims against them?

Other Options

Sometimes, the basic liability coverage provided by a moving company just isn’t enough.  You’ll want to make sure that you are protected in the case of any loss or damage.  So, talk to your home insurance company to see if your household items are protected during the move.  If so, you don’t need to purchase any additional moving valuation coverage, which is much differrent than “insurance.”

If your items aren’t already covered by your existing home insurance, you may want to buy more valuation coverage.  You can opt for an independent moving insurance company or see if your provider has any moving insurance riders.

Always ask your insurance agent about Goods In Transit coverage.  This type of coverage can be purchased from both moving companies and insurance companies.  However, if you ever need to file a claim, you need to know how to do so properly.  All type of moves vary by location and type of move, so make sure to consult your moving consultant for more information.