The purpose of this article is to detail the different forms of moving insurance. We intend upon having this page serve as an introduction to moving insurance, and should you have any further questions do not hesitate in contacting our moving and storage company. For those of you who are new to the site, welcome. This blog is maintained by Sunset Moving & Storage. Our hope is that by making this information available you will be better able to choose a moving and storage company which works for you. You may view our comprehensive guide to choosing Florida moving & storage companies by clicking the link under the “Pages” tab.

First off, moving insurance is similar to any other kind of insurance you would use. If there is an accident, or your goods are damaged for any reason, then you will be reimbursed. How quickly and how much you are reimbursed, though, matters upon what type of insurance you chose and who you purchased it from. Generally speaking, there are two places to purchase moving insurance, and two types of moving insurance. We will first cover the forms of insurance, and we will conclude with where to obtain insurance.

• Basic Insurance: This form of insurance is also often referred to as limited liability insurance. It is the minimum level of insurance required by the law, and is free of charge. So long as you stick to a licensed and insured moving company this insurance will be provided to you. You may here your salesperson refer to this level of insurance as “60 cents per pound per article”.  If your goods are damaged during the moving process then you will be reimbursed based upon the weight of the damaged article. For instance, if your sofa is damaged and it weighs a hundred pounds, then you will be given $60 in compensation. While this is the least expensive option, many of your household’s goods full values will not be covered in case of an accident. If you do not speak to your moving company explicitly about your insurance then chances are they have given you this. Sunset Moving & Storage will never begin your move without first discussing your insurance options with you.

• Full Value Insurance: This insurance is not required by law and costs extra to purchase. The benefit, however, is that in the event of an accident you will be fully reimbursed the cost of your goods. There are three different deductibles offered for this option. You can opt for a $500, $250 or $0 deductible. The lower the deductible the higher the up front premium. Do not assume your moving company has given you full insurance if you do not directly discuss it with them. Also, your moving contract should explicitly state you have purchased additional insurance.

To sum up, the two basic types of moving insurance are full value and basic. Basic insurance is included with your move, and is the most affordable option. Full value, while more expensive, can provide you with peace of mind in know that your goods are fully insured should anything happen. The next question you must answer is where you are going to purchase your moving insurance from. If you opted for the basic insurance then you do not need to worry. The moving company is required by law to provide you with the insurance. If you want full value insurance, however, then you may either purchase the plan directly from the moving and storage company, or from a third party insurance company. No matter where you decide to purchase your insurance from, Sunset Movers can help. We will happily recommend a local insurance company, or you can use the insurance we offer. Just let your sales person know. We hope this information has been useful and will help you with your next local or long distance move.

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