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It’s hard to trust your belongings to someone else when you’re Moving. To simply hand over your items in a moving truck and hope it gets there safely is too much to handle; it’s all you have. Everyone has heard one time or another about how movers have lost or stolen items. Moving insurance makes sure your items stay with you from your old home to the new one in the same condition.

Poor service and unreliable movers are the main reasons why items are missing or stolen. Avoid both of these hurdles through research. Look at the Better Business Bureau for complaints. Read reviews online and listen to loved ones for their opinions. On the company’s website read their testimonials and contact them about references. Learn about hidden fees and extra charges. Know the company inside and out before doing business with them to avoid surprises.

Moving insurance protects your belongings by covering damages, lost items and stolen items. It covers moves from one side to the other side of town, city to city, state to state, and country to country. There is a plan that works for you and your budget. The two plans available are full replacement and released value. Full replacement plans offer complete coverage for everything you own. The moving company is responsible for covering the liability up to the full value. Read the contract if you choose this option. It’s more expensive to buy, the deductible may not be what you expect, and it may not cover extremely expensive items. Released value is the cheaper option. They pay sixty cents per pound of total belongings. Some liability comes from the mover, but the majority of liability comes from the customers. Moving companies naturally add this basic insurance in moving expenses. However, it’s only added by request.

Both versions of insurance coverage are written in a contract, so look at it carefully before signing. Movers are not responsible for damages happening to the inside of boxes. The only way they’re responsible is if the box is damaged itself. If you want them to be responsible for the boxes, let them pack the belongings for you. Remember though that it will cost extra money to let movers pack and move your stuff.

If you move yourself anything that happens to furniture and personal belongings are your responsibility. The only way to get moving insurance is to hire a professional moving company or talk to an insurance company who handles this type of insurance.

Nicholas Despoteris

Licensed in CT – RI

860.889.3811 x54321

Fax: 1.888.510.6866

Nicholas.Despoteris@libertymutual.com

 

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Michelle Manter Giglietti

Owner~Realtor at Manter Realty Group of Keller Williams
Top Producing Realtor and recognized blogger. In her free time you can hear her screaming fore at the local golf course,or catch her at home enjoying fresh cooking and a glass of wine with her husband and favorite 6 pound Morkie named Pedro.
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