With so many factors to consider and decisions to make before you move out, it is very easy for you to overlook some of the things that really matter during the home moving process. If you are still in the process of planning your interstate home move, chances are high that you have probably thought of something breaking or even getting lost. Despite trying your best to ensure that no accident happens, there is always that chance of an unforeseen incident. Damage to your household property can happen in any stage of your moving process. This is why it is always important to ensure that a moving insurance is part and parcel of your home move.
When choosing a moving insurance, it is of utmost importance to choose the right coverage that will ensure all your household goods are covered. Most full service moving companies provide their clients property with some protection in the form of mover’s valuation. However, if you choose the cheaper alternative which is self packing containers then definitely you won’t be covered by a moving company if your belongings get damaged or lost.
Understanding the types of Coverage
Knowing the available moving insurance options can help you to determine the type of moving insurance that is ideal for your move. Depending on the type of your home move, there are different moving insurance options available. There is renter’s insurance, homeowner’s insurance, moving company insurance, and rental truck/ trailer insurance. When you know the type of your move, you can go ahead and choose the type of moving insurance that is suitable for your move. If you are moving just locally, you can ask your home insurance provider whether your move is covered under your rental or homeowner’s policy. For long distance and interstate moves, you can try to obtain moving insurance through the rental truck or self pack container.
A do-it-yourself or self packing container move
Now that you have decided that you want to move your household belongings by yourself and probably finished inviting your friends to help, you should ask yourself what if something goes wrong? What happens if one of the friends that is helping you falls down the stairs and drops your TV or home theater when he or she falls? If you have not considered all these then now is the right time to start. Making sure that your household possessions are insured during your interstate move can give you a peace of mind which you definitely need during this hectic time.
When you are moving your home with your friends and not hiring them to help you move, when they damage your property you can have a way out against them. They can compensate you for the damages to your property under the voluntary property damage clause of their tenant or home policy. However, you probably won’t like the idea of holding your friends financially responsible for damages done while they are volunteering to help you move. Likewise, when moving your household items, it is common for heavy items like furniture and more fragile objects getting damaged while in transit.
DIY and self packing container move could prove to be costly rather than cost effective if your belongings are not insured. Whether you are using the services of a professional firm or just doing the whole move by yourself, you need to first contact your household items insurer in advance to let them know that you will be moving soon. By doing this, your insurer will be able to inform you whether there is any cover provided for your household property while they are in transit and if there is any, highlight the limits and restrictions that may apply. If you are moving interstate, try to obtain your moving insurance through the self pack container company youpack you are using. After you have gotten the best cover for your move, take a good assessment of everything that you are moving. This will help you to have an accurate inventory of your whole move in the event loss, damage or theft of your items occurs. It is also important that ensure that you fully understand the claims process and also the timeline for reimbursement. Since insurance cover is often restricted to a certain number of days, you should be able to have a word with your provider if your possessions will by any chance be in storage before moving into your new home. When your household contents reach your new home, you should also let your insurer know so that your cover can be re-evaluated.