Determining the Right Coverage For You
Your peace of mind will be assured when you acquire the proper protection coverage against the unlikely case of damage or loss during your move.
Realistically, if you were to examine the construction of today's furniture, you'd quickly realize that furniture is not built to be moved. Rather, it's designed to be functional and/or decorative, to be utilized and admired. Accordingly, it's important that you select the proper coverage for your shipment. Most moving companies offer two types of protection to best suit your particular situation.
Basic Liability Protection:
Is just that - basic. Your household goods are insured at a standard rate per pound per item - regardless of their actual value - at no extra charge. If your new 40-pound portable color TV is damaged, for example, you'll be paid an amount based on current rates toward its repair. For most families, of course, this level of protection is not adequate, and you might consider purchasing additional protection.
Replacement value protection offers the most protection. Under this plan, if an item is lost or damaged beyond repair, you'll receive full replacement cost without regard to depreciation. Your cost and maximum protection level are dependent on the value that you declare for your shipment.
Regardless of which form of transit protection is most appropriate for your circumstances, remember to ask your moving consultant to explain each alternative carefully. It's also a good idea to review your homeowner's insurance policy to determine whether or not it provides coverage for any especially valuable items such as crystal, antiques and collectibles during a move.
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