Moving to a new home or business location is an exciting milestone, but it can also bring concerns about the safety of your belongings during transit. Protecting your valuables through moving insurance is a critical step in any relocation process. With over 30 years of experience, Village Movers and Storage helps clients understand how moving insurance works and what options are available to keep their possessions secure.
What Is Moving Insurance?
Moving insurance is coverage that protects your personal property against loss or damage during a move. It typically comes in two forms: valuation coverage and third-party insurance. Valuation coverage is usually provided by your moving company and covers damages based on declared value or a limited liability formula. Third-party insurance is purchased separately and can offer more comprehensive protection, similar to homeowner’s insurance.
Why You Need Moving Insurance
Even the most experienced movers take every precaution, but accidents can happen. Weather delays, handling errors, and vehicle incidents are risks that may affect your belongings. Having moving insurance ensures that if something is lost or damaged, you are compensated fairly and quickly. It also provides peace of mind, allowing you to focus on settling into your new space.
How to Choose the Right Coverage
Start by taking a detailed inventory of everything you plan to move. Note the condition, age, and approximate value of items. Discuss these details with your moving company to determine the type of coverage they offer and whether it meets your needs. Village Movers and Storage offers full-service packing and careful handling to minimize risk, but they also help clients explore additional insurance options.
Declaring Value and Liability Limits
Standard liability coverage often reimburses only a few cents per pound per item, which may not be sufficient for high-value possessions like electronics, artwork, or antiques. Declaring a higher value upfront may increase your coverage but also your costs. Consult with your moving company and insurance provider to find a balance between adequate protection and budget.
Additional Tips to Protect Your Belongings
- Pack fragile items with care or use professional packing services, which Village Movers and Storage provides, ensuring secure, expert packing materials and techniques.
- Take photos or videos of your belongings before the move for documentation.
- Keep important documents, valuables, and essentials with you rather than in the moving truck.
Understanding moving insurance helps you prepare and protect your possessions effectively. Village Movers and Storage combines professional packing, expert handling, and transparent insurance guidance to make your move safe and stress-free. Contact their team to learn more about coverage options tailored to your specific move.
