Moving Insurance

Purchasing moving insurance is an essential step to protecting the value of your belongings in the event of an accident. To get started on finding the right policy read multiple moving insurance reviews and be sure to compare quotes.Pay attention, especially to their deductible policies as fine-print can be the difference between getting reimbursed and being out a considerable amount of cash for the value of the item(s) you are protecting.The idea of purchasing moving insurance coverage may seem like an un-needed expense, but it's an important security measure to take. After all this is your stuff were talking about. It's a good idea toalwayscompare moving insurance quotes side-by-side to see who's offering the better deal. Read more about how and whyto choose the bestinsurancepolicy for your budget below.

What are the moving insurance coverage policies each moving company offers?

The Federal Motor Carrier Safety Administration (FMCSA) handlesall the details thatmay arise between the moving companyand youif you move between state lines. Do keep in mind the distance you are moving however as local moving companies may offer a better option. You won't need as much moving insurance coverage if you are traveling less miles.Use your best judgement.

Coverage policies for the specific items may be different, so be sure to ask the representative about specific items you may be concerned about. Items such as electronics, expensive furniture, clothing and bedding, and Art and collectables could have different terms and rules.

It's always important to find out about your moving company's deductiblerules. Your moving insurance deductible will often fluctuate depending on the type of moving insurance coverage you choose.

Moving Insurance Reviews

See what others are saying about the insurance you want to choose. Follow up with a couple different review websites to make sure you are making the most confident decision possible. Start with the internet and don't forget to ask your social circle for recommendations and experience.

Moving Insurance Quotes

When comparing moving insurance quotes, ask for details regarding the moving company's services and policies, including anyof those peskydeductibles. Be sure to getmultiple moving insurance quotes. That way you will get the insurance coverage that best fits your needs and your budget.

Moving Truck Rental Insurance

If you'er going it alone and renting a truck, you still have to protect your stuff.It's always a good idea to get moving truck insurance. There are multiple choice that range from waivers, to supplemental liability insurance. There are also options for personal accident/cargo insurance and tow protection insurance if you choose to tow a vehicle.Review thedifferent options available to you, and decide which option fits your situation best:

Damage Waivers for Rental Trucks

If something goes wrong during your self-move and you cause damage to the inside or outside of the vehicle, you could be at fault and have to cover the damage costs. A good way to avoid these kinds of situations is to purchase moving truck insurance. This covers you against most responsibilities in the event oftheft or damage. Personal waivers are more wide reaching, while limited waivers have less, asking the driver to pay the first$500 on vehicle damages.

Moving Truck Supplemental Liability Insurance

The most traditional form of mover insurance is Supplemental Liability Insurance. The driver and items are protected from any claims. SLI coverage covers up to a maximum of one million dollars.

Personal Accident and Cargo Insurance for Rental Trucks

Personal Accident and Cargo protection will cover damages to anything you are moving as well as medical expenses if you are involved in an accident while moving. Some exclusions apply, including but not limited to theft and the shifting of cargo.

Moving Truck Rental Tow Protection

Auto tow protection plans protect anything that you may tow on the back of your moving rental. These policies will protect the vehicle from damages caused by most natural and accidental damages that can occur.

STORAGE WHILE MOVING

In some instances finding extra storage may come up. If you are downsizing, or simply trying to decide what or what not to put in your new home, a storage unit may become a necessity.

Read up on the various options that are available for your specific situation below:

Benefits of Indoor Storage vs. Outdoor Storage

Figure out what you will be storing.Fragile items, art work, and valuables that could be damaged by humidity are best kept in a climate controlled storage unit whilevehicles, heavy equipment, recreational vehicles or boats can be safely stored at an outdoor facility.

Common Questions when Choosing Storage Solutions

There are many important factors to decide on when you are looking for the perfect storage unit. Look for these options when seeking out storage:

How is the security? Are there 24 hour cameras installed? Is there a security guard on premises? What is the access policy to the facility? Do they make insurance available? Is my unit climate controlled? Any hidden costs?

Remember to research your options. Storage Units are widely available and often run great specials for new renters

MOVERS VS. TRUCK RENTAL

There are many choices to make when you decide to move, and how you move could be the most important decision. If you have a healthy budget full service movers could be the best bet. If you are on a strict budget then doing it yourself may be the best option. There are costs and considerations with both choices that need to be considered before you should make the final jump. Consideration needs to paid to schedule, distance, and ability to physically handle the task before one can judge which route is best.

DO IT YOURSELF OR GET SOME HELP

If you don't have the time or desire to do a lot of the work yourselfprofessional movers are the way to go. A good moving companyknows exactly how to pack and unpack items in a timely manner, which will save you many hours of labor, and some doctor bills too.

If you dochoose to rent a moving truck, you have to take a couple things into consideration. You're more than likely going to need help. Not too many people can move a couch by themselves. So you are going to have to call in some favors. Scheduling your help, and promising to repay the favor by helping them someday can come at a premium as well.If you don't have to adhere to a strict time schedule, and would rather work at your own pace, you might be the candidate for renting a moving truck. Just don't forget to buy your friends plenty of pizza and beer!

Moving Distance

Take into consideration the distance you are moving before you choose whether to rent a moving truck or hire a moving company. If renting a moving truck for a long distancemove,the costs can add up quick. You have to consider the cost of the truck rental, fuel rates, and milage. Once you add in other fees, this can become one expensive move. It might benefit you to look into long distance moving companies when it comes tohigh milage, one-way moves.Either option has its advantages and disadvantages. Assess your needs and choose the option that works best for you and your situation.

Liability Insurance for Moving

When you rent you are entirely liable for the contents of your truck. Sure, you are in control of every aspect of the move, but if there is some sort of accident there is no one to turn to when it comes to reimbursement. This is not the case with professional movers, who often come with their own insurance policies. If something happens to your stuff then they are liable for replacement. Make sure you check with your chose company however. Details fluctuate between companies.

10 Questions to Ask Your Mover

Before choosing the moving company that is right for you, be sure to do some research to find the best company for your situation. Utilizing this check list of questions when discussing your your move with company representatives will ensure that you have covered the bases when choosing the company that's right for your situation.

  1. What kind of moving insurance do you provide?
  2. During the move, who is liable for damaged items?
  3. What type of moving contract do you offer?
  4. Are there any hidden fees not listed in the moving contract?
  5. May I have a few referencesof past clients?
  6. May I have a detailed breakdownyour quote includes?
  7. What is your expected time of delivery?
  8. What moving supplies do you provide to protect my fragile items?
  9. What kind of overtime pay can I expect if any?
  10. How long has your company been in business?
FAQ
Do I need to hire a moving company?

Assess your moving situation. Distance, milage, amount of labor, and budget are all concerns. While it is possible to move yourself by renting moving vans, etc., it could be more trouble than it's worth. Check around and compare moving companies and services they offer to fit your needs.

What types of moving companies are there?

There are two types of moving companies. Large full-service moving companies can offer you options such as packing and unpacking, and placing and arranging furniture at your new home. Smaller local companies usually do not offer all these services, but can be a cheaper and smarter alternative.

Do I need moving insurance?

Moving insurance is an option, however it is always a good idea to insure your possessions when in transit from your old home to your new home. This protects your items from anything that could go wrong during the moving process.

Can I deduct taxes from my move?

The Internal Revenue Service (IRS) allows you certaindeductions from your taxes when moving for business related expenses or if you are moving and in the military.Check with the IRS for these specific guidelines.

What supplies should I have for packing?

Of course, when moving homes, you are going to need boxes to put all that stuff in, but don't forget the essentials; packing paper, bubble wrap, plenty of packaging tape, markers for labeling and lots and lots of patience.