5 Steps to get the right insurance coverage for moving

Whatever the reason for your move, deciding what to take with you and how you are going to transport your goods safely is often stressful. Especially if you intend to avoid any damage to your belongings along the way.

For this reason, it is necessary to take precautions and prepare yourself with a moving insurance policy that will protect your household goods against any problem that may arise. In this article, we share everything you need to know about moving insurance before hiring it!

👉 Click here  to learn about all the types of moving insurance that exist.

What are they for and why is it convenient to hire one?

The purpose of moving insurance is to protect household goods during the move, providing compensation in case of inconveniences such as deterioration, damage, loss, or theft of belongings.

These policies provide coverage according to the significant risks related to the specific factors and conditions of a move, such as:

• • The type of journey and its safety
  • The distance the vehicle must travel
  • The length of time the goods will remain packed
  • The fragility or type of belongings to be moved
  • Delays due to unpredictable causes such as::
    • Weather conditions
    • Access to the new location or residence
    • Among other aspects.

Taking out a moving insurance policy, apart from providing peace of mind during this big change, offers several advantages:

• It guarantees that the movement of goods will be successfully completed.
• It will be responsible in case any of your belongings are lost or damaged during the move.
• You will be able to cover the loss of the objects in case of theft.
• They will be responsible during the trip for any delay or situation that may occur.

Before taking out moving insurance...

Consider the following aspects to make sure that the insurance you purchase is the right one:

Step 1: The first thing to do is to look for and choose the right moving company to move your belongings, many of which offer insurance for your belongings. Remember to research their experience and professionalism before hiring them.

* If you want to know how to hire the right option, click here to read our tips to detect a good moving service.

Step 2: Once you have selected the moving company, ask for a written estimate and review the policies included. This document may be useful in case they don't want to be responsible for any damage. Keep in mind that this rarely happens when hiring a professional service.

Step 3: Analyze the coverage and basic aspects of the moving insurance. Most include the following:

• They cover risks for loss or damage during the move, although they do not always include all types of objects or belongings. That is why it is important to read the terms.
• They are responsible for delivery delays. Consider that the longer your goods are in transportation, the greater the chances of inconvenience.
  
  

Step 4: In some cases, the movers themselves provide specific policies according to the customer's needs, allowing them to accommodate specific requirements. Some companies even provide advice to help customers decide how best to protect their belongings.

Step 5: It is recommended to make an inventory of all the belongings to be moved.

Try to list in as much detail as possible and quantify all the goods, determining their value, whether economic or sentimental. In this way, you will be able to calculate the value to be covered by the insurance and make sure that everything arrives in good shape at the new home.

* As a tip, point out to the moving service the objects that require special care and photograph them if you consider it necessary to demonstrate their condition, in case they suffer any damage later on. 

NOTE: What if you are moving on your own?