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Moving Insurance

It pays to get moving insurance for your possessions because losses tend to occur when they are least expected and when you are not covered. Buying insurance for moving in advance can help you to be prepared for any loss or damage to your valuable possessions. Van lines offer valuation or Released Value protection without any additional charge, which is not insurance. It is a contractual liability and is based on the regulations of the Department of Transportation (DOT) or a state agency. If you opt for Released Value protection, the liability of the moving company may be limited to as little as $0.60 per lb. per item. This may only be only fraction of the value of an expensive item that is lost or damaged en route. You can also opt for Full Value Protection, which is the highest level of coverage provided by movers, at an additional cost. The mover will be liable for the replacement value of lost or damaged items. You can also opt for a different level of liability under Full Value Protection: the mover may offer to repair the item, or replace it with a similar item, or provide a settlement in cash that covers repair / market replacement value of the item. Under Full Value Protection, the moving company may limit its liability for items of extraordinary value, unless you specifically list items that are valued at more than $100 on the shipping documents. Full Value Protection may be subject to certain deductibles and the cost may vary from mover to mover. It does not cover any loss or damage caused by Acts of God, storms, earthquakes, strikes, riots, civil commotion, etc. You can also buy moving insurance from an insurance company. The “all risk” move insurance policy provides the highest level of moving insurance coverage and reimburses the replacement value of items, with some deductibles. House moving insurance provided by insurance companies offers several advantages over Released Value and Full Value Protection provided by movers. Insurance provided by an insurance company covers losses or damage caused by Acts of God, storms, earthquakes, strikes, riots, civil commotion, etc. Moving and storage insurance provided by an insurance company may turn out to be cheaper than Full Value Protection provided by the mover. Insurance companies have standardized claim settlement procedures and a moving insurance claim will be settled by claim adjusters, not by the employees of the mover or forwarder. Please fill out the form provided here to get free insurance quotes from the best insurance for moving companies. This is a free offer and there are no commitments involved at all. Your contact information will not be revealed to anyone without your consent.