Insurance

Moving Insurance may be included with your homeowners insurance! Check with your homeowners insurance before cancelling the policy. Movers offer their own moving insurance. Valuation is carrier liability and is usually based on weight. Valuation should be not be confused with insurance. The coverage only applies to cases in which carrier negligence can be proven and covers your property by assessing the three different value categories described below.

• Standard Coverage: Movers provide their customers with minimum moving insurance for every item. This coverage is based on weight alone, and is required by law to be at least $.60 per pound. So if your 1 lb. Babe Ruth autographed baseball was destroyed during the move, standard coverage would only insure it for $0.60.
• Assessed Value Coverage: This coverage is based on how much you must pay to cover the assessed value of any of your property if it's damaged due to carrier negligence. If the computer you bought for $2,500 now goes for $300, the current price is all that's covered.
• Full Replacement Value Coverage: This coverage is based on how much you must pay to cover the full replacement value of any of your property if it is damaged due to carrier negligence. Under this coverage, the carrier must pay to obtain a new replacement, no matter the cost, of any piece of property damaged.