Why You Need Moving Insurance

There are many things that you need to have in order to make sure that your move is completed in an efficient and simple manner, including things like a good moving company, sturdy moving boxes, help for moving day, and most importantly, insurance. While many people are satisfied with the insurance that the moving companies offer, it is important to realize just what this covers and why you probably need to opt for either higher levels of insurance from the movers, or a traditional insurance policy that will cover any damage done to your goods throughout a move. It might not be readily apparent to some why insurance is so important, so here are a few reasons why you need to make sure you are covered when you are moving to a new home.

Damage Happens

When you move to a new home, even if you are sure that you have hired the very best moving companies that are available, there is always a chance that your things will become damaged. You have spent your entire life collecting these things, and you probably have quite a few things that may not be easily replaceable, so it is only beneficial for you to have a great insurance policy to cover these needs. Regardless of what you are moving, or how far it needs to be moving, having insurance will make sure that you have the financial means to repair or replace anything that is accidentally or intentionally damaged during the relocation process.

Total Losses

Of course it is not common for a mover to completely lose a shipment, but it has been known to happen. Just think about what it would be like if you moved into your new home and you had nothing to fill it with. If all of your furniture was gone, and you had nothing to cook with, you would have to start all over in collecting the many things that fill your house now. Again, while this is not common, there is no way to predict when the worst-case scenarios might happen. As such, you should always have financial recourse in these events, which means having a good insurance company and policy that will cover these losses.

A Great Policy

Therefore, you have decided that you need insurance, but you do not know where to turn for the best policy. There are a few options open to people who are looking for a good insurance policy, including the moving companies themselves. While all movers have to offer liability insurance on the house removals they complete, it is important to note that this coverage is usually the bare minimum and only covers about sixty cents per pound of goods that you are moving. If you want to have more, there are generally fees associated with the coverage, but it is always well worth it to ensure that you are able to file a claim and be reimbursed for the damage caused.

If you do not want to go through the moving company, you can always seek out a traditional moving insurance policy, which will generally come from a different company that is not related to the movers. You should seek out this insurance from either the company who offers you a homeowner or renter’s insurance policy first, before moving on to other companies who offer traditional policies just for moving.

Insurance is Vital

No matter where you might be moving, having the right insurance policy to cover your things is very important. Do not let the movers take your goods without them being protected. While you might end up at your new home without having to deal with claims or damage, it is always far better to be safe rather than sorry. Keep this in mind and moving should take on a completely new level of easy for everyone involved.

Kaylin McLeod is a moving expert with over ten years of experience in the field. She knows all about different moving topics, including flat rate movers, insurance, packing, and how to find the best companies to help you relocate. When she is not working with consumers as a private consultant, she helps different professional moving companies improve their services for those who will be seeking them in the future.