Moving Insurance: Protection Guide

Moving insurance protects your belongings during relocation. Here's how to choose the right coverage for your needs.

## Types of Moving Insurance

### Basic Coverage (Released Value) - Minimum required coverage - $0.60 per pound per item - Inadequate for valuable items - No additional cost - Limited protection

### Full Value Protection - Comprehensive coverage option - Replacement cost coverage - Repair or replace damaged items - Higher cost but better protection - Recommended for valuable items

## Third-Party Insurance

### Advantages - Often more comprehensive - Competitive pricing - Specialized coverage options - Independent claims process - Additional protection options

### Considerations - Separate policy and claims - Research company reputation - Understand coverage limits - Compare costs carefully - Read policy terms thoroughly

## What's Typically Covered

### Standard Coverage - Damage during transport - Loss of items - Theft during move - Weather-related damage - Accidents during loading/unloading

### Exclusions - Normal wear and tear - Damage from improper packing - Items packed by customer - Perishable items - Currency and securities

## Valuation and Claims

### Documenting Value - Professional appraisals for valuable items - Purchase receipts and documentation - Photographs of items - Detailed inventory lists - Condition reports

### Claims Process - Report damage immediately - Document everything thoroughly - Keep all moving-related paperwork - Work with insurance adjuster - Follow up on claim progress

Moving insurance provides peace of mind and financial protection during your relocation.