Now that you’re about to move you may be wondering if you need moving insurance. The answer to this question is ‘yes’! Any smart homeowner knows that just as they need to have health insurance to safeguard their personal health, they would also benefit from acquiring moving insurance. Accidents happen even to the most reliable and careful moving companies. Here at One Stop Moving & Storage we know that life’s circumstances can interfere at any given moment.
Did you know that all moving companies are required by federal regulations to offer two types of insurance coverage to customers who wish to move out-of-state? You can acquire a “released value protection” plan or a “full-value replacement protection” plan. The basic “released value“ protection plan is a standard, free service that is covered in your moving agreement. What is covered under this plan? This plan is set at 60 cents a pound. This means that you will be reimbursed for any items lost or damaged at 60 cents a pound. This includes any items from safety pins, to family heirlooms. For most of us, our possessions are worth far more than a mere 60 cents a pound. That is why we offer another type of moving insurance plan: the full-value replacement protection plan. We recommend this plan if you are moving out-of-state. This coverage is based on the total value of your belongings being transported. When choosing a moving company it is important that they offer reliable moving insurance.
A reliable insurance plan should cover all damages, missing items packed by the moving company, or man-made catastrophes that could arise. Look for an “all risk” policy. This means that the policy should insure your shipment for its full replacement value. Your belongings should be protected from the moment they leave your home until they reach the final destination.
What We Can Do For You!
One Stop Moving and Storage will guide you through each step of filling out the declaration of value form. This form must be completed prior to your move. Questions regarding your insurance claim? Not to worry. We will take care of all the proper documentation required for your insurance claim. One of the most important items is the inventory list of all your possessions being shipped. It is important that the dollar value of all items being shipped are estimated and documented. This is important in the event that you would need to claim any damages. If you need to make a claim to insurance, we will walk you through how to contact the insurance company to report any damages. It is recommended that you report any such damages as soon as your shipment arrives. Proper documentation will make this transition smoother and speed up the process.
With our professional and well trained movers on the job, it is very unlikely that you will need to file a claim with your insurance company. But in any event, we want you to be prepared for life’s mishaps, because we all know that they do happen when least expected. If you have any further questions regarding moving insurance, contact us today and our moving experts will be happy to assist you!