It’s moving time folks! You should be packing your stuff, handling your kids, and preparing your new home for your arrival. If you think that your move is going to pass without stress, you had better think again! Moving time is stressful. It also requires a lot of focus and multitasking. In case you are hiring a professional moving company to assist you with the move, you can bet that your move will be easier than a DIY one. Find the perfect one with Verified Movers and reviews you can see on the website. Still, moving is going to be quite hectic nevertheless. There are many things that can go wrong. From time-management issues all the way to hardware issues. Therefore, you should probably make sure to purchase moving insurance. We will get into details soon. For now, it is important to make sure that you are aware of the process into which you are going to dive in.
When you purchase moving insurance you are taking care of yourself
As we have already pointed out, the moving process can be stressful and time-consuming. Sometimes, people just cannot handle it. When that happens, people make mistakes. Luckily for you, if you are hiring moving professionals and have checked moving companies’ reviews, you will most likely go through this process in an easier fashion than other people. However, one of the reasons why you should purchase moving insurance is to stay calm during the move. Whether you have valuables that you need to move or you have simple items that mean a lot to you, you might find yourself in a nerve-wracking situation.
When you start loading your items onto the moving truck, you are probably going to start questioning every possible packing decision that you have made by then. You are going to start worrying about whether you have secured your items enough for them to survive the trip. Especially the ones across the state. For example, if you’re moving from Philadelphia all the way to West Coast, it’s not going to be one of the shortest trips for your items. Therefore, be smart about your stuff and your mind. Purchase moving insurance in order to get through the moving process free of any fear that you might lose valuable items due to mishandling.
Purchase moving insurance just in case something might come up
Okay, so far we have been talking about buying insurance for your own’s sake. Now feels like the right time to talk about getting insurance for the sake of your stuff.
As we have seen you may be moving from coast to coast. On the other hand, you might be moving just a few blocks from your current flat. Whatever the destination is, we can never know who is going to be driving on the same stretch of road as us. Therefore, in order to prevent any monetary loss in case you happen to be hit by someone, you should definitely look into the possibility of buying insurance. If you do it, you will be protected from any asset loss.
Just imagine having to place all of your items onto a large moving truck. No matter how well you pack and stack them, they are going to move. So, what do you think happens to your items along the way? Some of them might get damaged or destroyed. Not to mention if the truck gets caught in a traffic accident. That is when you will feel good about having insurance.
Make sure your car is safe with the vehicle insurance
If you need to ship your car to your new location, whether it’s across the country or just a few cities away, you want to make sure your car is protected during transit. By getting auto transport insurance you can be sure your vehicle is safe. With this insurance, your vehicle is covered while a third-party company is transporting it. This type of insurance can give you peace of mind knowing that your car is covered in case of damage, theft, or loss during transit. Additionally, it gives coverage for any liability you may have in case your car causes damage to other people or their property.
There are two types of auto transport insurance: primary and secondary coverage. Primary coverage is the safest option, as it provides the most protection for your car during transport. This means you are covered from the full value of your vehicle to any damages that may happen during transit. Secondary coverage usually covers only a portion of the value of your vehicle. You should consider a few things when choosing insurance for transporting your car. Firstly, think about the type of coverage you need. If your car is new or valuable, it is better to choose primary coverage to ensure that it is fully protected during transit. Consider also the deductible or the amount you will need to pay out of pocket if you file a claim. The higher the deductible, the lower your premium will be, but the more you will need to pay if something goes wrong during the drive.
You can get insurance for storage units as well
When you are renting out a storage unit, storage companies will most likely offer some type of insurance. Still, it is best to check with them if there is only basic insurance involved or if you need to purchase one additionally. Basic insurance can be enough for most belongings you intend to store. Still. if you have some valuable items or items of special materials, you might want even more coverage. You can do this by getting self-storage insurance. It is a type of insurance that covers all that is in your self-storage unit. Your items will be safe in case of damage, theft, or loss due to natural disasters, such as fires, floods, or earthquakes, as well as other incidents, such as theft or vandalism.
Choose an option that will be the best for your type of stored items, and that will allow you to relax. There are some that exclude or limit cases in which things are covered, so be sure to read all the details. You can also protect your things by the way you pack your storage. Use sturdy and high-quality boxes or plastic containers, organize them, and label them so you do not have to dig through them.
Why people sometimes do not purchase moving insurance
A lot of people do not purchase moving insurance. That is a fact. For some, the price of the insurance might seem a bit steep. We get that. You do not want to throw your money away. However, what happens in the case that you lose something that has a lot more value than the insurance policy? Will the insurance price seem as steep then as well? As the saying goes, better to be safe than sorry.
Now, in order to pay a reasonable amount of money and purchase moving insurance, you could do the following:
- If you are moving to, let’s say, Nevada, you should hire a Nevada cross country moving company that offers insurance options. The same, of course, goes for moves from other states, as it’s extremely important to hire movers from your area. This is a great option. Moving insurance usually goes in a bundle with professional movers. Therefore, if you are getting professional help for your move, you might not need to purchase moving insurance.
- Contact various insurance companies and buy the best one for you. You should start by contacting at least three companies but preferably many more. Once you have made a cut and come down to a few that you would prefer, you should check them online. Better Business Bureau can help you with that. Make sure to buy a comprehensive insurance policy. Usually, the cheapest one is not going to be the most affordable one, according to what it is going to cover. Be smart when you decide to purchase moving insurance.
Choose the right insurance option for you
Do you know what to look for in insurance for your move? Since there are too many options, you might feel overwhelmed or lost. These are some of the basic moving insurance options you can get:
- Third-party policies: While moving companies offer some types of insurance, you don’t have to get it from them. You can also choose a third-party company if you think they have a better deal.
- Released value: This is the most commonly used insurance option while moving. It goes in with the moving price, so you don’t have to pay any extra. Still, this doesn’t have to be the best option. With this insurance, your moving company only pays $0.6 per pound of weight. If you are transporting valuables and collectives, this is not good.
- Full value: If that is your case, and you are moving with very valuable things, you might consider this option. It is the most expensive one, but it will be the best in case of damage. With this insurance, your company will have to pay for the full value of items that are damaged.
Interstate moves and insurance coverage
Moving to a new state can be an exciting adventure, but it can also be stressful and overwhelming, especially when it comes to the safety of your belongings. In order to ensure that your possessions are protected during the move, it’s important to consider getting interstate moving insurance. A great option to consider is transit insurance for moving interstate which is different from basic insurance options. It provides protection while your items are in transport, by truck, train, or ship. A perfect option to get reimbursed for any damage, loss, or theft.
While most moving companies offer some level of liability coverage, it is usually limited and it doesn’t have to cover the full value of your belongings. That’s why it’s essential to check with a company and ask about additional insurance options.
Beware of Valuation coverage
The valuation coverage represents the amount of liability coverage that your policy covers. Depending on the level of valuation, your policy might come cheaper or more expensive. Our advice to you is to think rationally about what could go wrong. Only after thinking about it and understanding the stakes, will you be ready to make the right decision.
Filing a moving insurance claim
Even if you took all the precautionary steps, damages, and unfortunate things can still happen during the move. Having insurance is great because you can then file a moving insurance claim and get reimbursed. Knowing which steps to take is the best way to remain calm in this situation. Firstly, review your moving contract and insurance policy to understand your coverage and any deadlines for filing a claim. After that, you will need to document all the damages or losses by taking photos and having a detailed list. Speak to your moving company and let them know as well as soon as possible about this.
Once you have all you need, you can submit a claim to your insurance provider. The claims process can take some time, so it’s important to be patient and stay in communication with them.
Read the small print
Once again, we need to talk about the small print. As if we have not done that enough so far. Before you sign any kind of contract with your moving company, make sure to understand the policy that you are about to purchase. You should pay close attention to the Terms & Conditions under which the policy applies. This means that you should read the small print! If you skip it, your items might get damaged or destroyed and your insurance company might not have to reimburse you for them. Therefore, do not allow yourself to be tricked. Purchase moving insurance only after you are aware of what is being offered to you.