When you move, it is important to look at overall moving coverage. You want to make sure that if something is damaged in the move, it is covered either under your homeowners insurance or under the insurance of the moving company.
In most instances, your homeowners insurance does not cover any kind of transit. This means that you need to explore the coverage offered by the moving company. If you read the fine print, most moving companies will provide insurance, though only if they package everything. This means that you are going to have to spend the extra money for them to box up everything, because otherwise it will be covered.
Additionally, if the moving company breaks anything, it is generally covered under a specific dollar amount per ounce or pound instead of actual value. This means that if they damage your china cabinet or your dishes, it is going to be calculated at the same rate, even though the two are going to be considerably different values.
Your homeowner’s insurance company may offer you some kind of coverage to protect your belongings in the event that you move. This will help to protect anything that is chipped, broken, or even lost throughout the move. There are going to be various caveats to this kind of coverage, including ensuring that you find a reputable and licensed moving company.
It is understandable that you want to provide all moving coverage on everything that you move. The most important thing is to not make assumptions as to what is and is not covered. It will require reading the fine print of all contracts prior to signing with the moving company and placing a call to your homeowners insurance to ensure that the level of coverage that you assume is there is actually there. This will make moving day less stressful and ensure that you gain enough money after making a claim so that you can make replacements for anything that was damaged or lost.