When moving, everyone wants things to go smoothly and for all their belongings to arrive at their new location safely. In reality, unforeseen events can and frequently do occur, especially if you’re doing it without the help of professional movers in Nashville.
Moving insurance may seem like a good idea to safeguard your boxes during a move, but before you buy a policy, you should be aware of the specifics of what is offered. Here are five common myths about moving insurance that can help you understand it better.
5 Things You Didn’t Know About Moving Insurance
Myth #1: Insurance is Automatically Included
If you decide to hire a moving company to pack and relocate your home, inquire about the coverage included in the quote. Basic valuation, or the liability a moving company will take for items that break or disappear during the move, is probably going to be one of them. However, some may not add this coverage, so make sure to read their policy thoroughly.
Myth #2: All Moving Insurance is the Same
Prices and policies differ significantly. While storage insurance might be a wise purchase if some of your boxes are kept in storage for a while, transit insurance safeguards items while they are en route.
A full-value protection policy will provide you with a replacement for any misplaced or damaged property. After evaluating your possessions, select the option that best suits your needs.
Myth #3: Anything Broken Will Be Replaced
Check the fine print to see if you have a policy that replaces any broken items during the move. Insurance claims may have a deadline. If so, you will need to file a claim within the allotted time frame.
Prior to signing a policy, find out the reporting timeline for damages. Before packing, think about making an inventory of your belongings so you can prove they were in good condition if something shows up damaged.
Myth #4: Moving Insurance Replaces Items I Packed
Typically, moving insurance policies only cover items that the movers pack. Therefore, you might not be able to file a claim if you package a box of glasses and later discover that they are broken.
Before you pack, check your policy or give the company a call to see if you can help with the preparations and still be covered.
Myth #5: Homeowner Insurance Covers Moves
Many homeowner policies cover damage during a move, but this is not standard across policies. If you have any questions about the contents of your policy, speak with an agent on the phone with your provider to ensure you have proper insurance coverage.
Learn More About Movers Insurance from Our Movers in Nashville
Understandably, many people are unsure about their current coverage or the kind of insurance they need to obtain, given the abundance of myths surrounding the subject.
When you can separate fact from fiction regarding insurance, you will have a far better chance of understanding your coverage and figuring out which types you need. And if you decide to go for the safe route and hire Pink Zebra Moving, we’re here to help. Reach out!