Moving Insurance - Long Distance Usa Movers

Moving Insurance

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Moving Insurance

When relocating to a new home, obtaining moving insurance is a smart move, and it is worth the price. Long Distance USA Movers is a reliable and trustworthy relocation company that does everything “by the book.” However, accidents can happen, they are out of our control. Be one step ahead, insure your belongings, and stay confident that you won’t end up with damage without a cover.

Long Distance USA Movers put clients’ needs and satisfaction first, that’s why we have mandatory insurance. We also offer the option of getting your things insured through a third-party insurance company for an additional amount. You can get the basic coverage through valuation and get reimbursed in case of an accident. However, if you own items with a high-value, basic coverage won’t do. That’s why we always advise our clients to go with the third-party option.

If you are a car owner that opts for vehicle shipping, you should insure your machine as well. This is especially important if you choose an open carrier shipping option, as your car will be exposed to more risk than in an enclosed one. While open carriers are generally secure in any weather conditions, you can never be too sure with your favorite four-wheeler.

What Is Moving Insurance?

Before talking about coverage and other details, it is important to determine what exactly is moving insurance. When you know what its purpose is, you won’t be on the fence about getting it. Basically, it refers to a policy offered by relocation companies, such as LDUSAM, for any damage or loss of your belongings during the transport. Generally, there are two types of coverage, and you can choose one depending on the value of your belongings.

Why Do You Need Moving Insurance?

When you are relocating, you might be wondering: “Does homeowners insurance cover moving?” The simple answer would be no. More often than not, such policies are only valid inside your home. Some can also cover your things on the road through trip transit policy. However, before the relocation, check with your insurance provider if the trip transit policy is a part of your package, and can you pay extra to get it. In most cases, this policy is not included in the standard homeowner/renters package, meaning you will need another type of policy for relocation purposes.

Another option is buying specific protection coverage from a third party. If you are wondering if you can purchase moving insurance from a moving company, know that companies are not certified to sell insurance. The only entities that sell indemnity on the territory of the US are insurance companies. However, if you hire Long Distance USA Movers, this won’t be a problem. We are already insured with a third party, and we can efficiently act as an intermediary and get the job done for you.

What Will the Insurance Cover?

Loading and unloading items, transport, and storage seem like simple enough actions that can’t go wrong, however, even with the most experienced crew, accidents can happen. A lot of unpredictable things can go south, from human factors to natural disasters.

A transit trip policy will cover physical damage, loss, damage from vandalism, and in some cases, natural disasters if your things are appraised. When relocating to a new residence, you should have all your things accounted for or compensated to prevent a further strain on your budget that already took a serious blow.

Keep in mind, though, that LDUSAM insurance only covers the things that were handled by our professionals from start to finish. In other words, we can’t extend our basic liability coverage to items that someone other than our movers disassembled and/or packed.

Having a Policy Will Make Moving Less Stressful

When you are relocating, maintaining peace of mind throughout the process should be one of your priorities. If you have a chance to prevent or avoid stressful situations, why not take it? Even though relocating to another part of the country for a new start can be a costly endeavor, it can get even more expensive if you add the loss of your things to the mix.

Packing, lifting, carrying, and transporting your things create many possibilities for something to break, fall, get wet, or get lost. With all the stress that you accumulated while planning your relocation project, worrying about the safety of your belongings during the move is the last thing you need on your mind. With LDUSAM coverage, your possessions will be protected, and you will get reimbursed in case of an accident. Having a policy is not just a good common sense, but it is great for achieving stress-free and smooth relocation.

What Does the Valuation Coverage Mean?

Long Distance USA Movers offer two types of coverage:

  • full value protection (FVP)
  • limited liability or release value coverage

 

Depending on your needs, you can choose between these two options. If you think that the limited liability is enough for your things, go for it, since this is a cheaper option that can easily fit into your budget. However, you should know that limited liability is the most basic policy, and it doesn’t cover many scenarios.

<span “>With this option, LDUSAM will reimburse $0.6 per pound of the damaged or lost item. Valuation is a great choice if you don’t want to spend too much money, as it is already included in the basic relocation package. However, we recommend FVP, especially if you want to relocate electronics such as TV, Xbox, or speakers.

How Does the Valuation of Your Home Items Work?

When you call Long Distance USA Movers to get a free quote or schedule the service, our customer service agents will ask you to provide a list of items you wish for us to move. The list of items is important not only because we use it to estimate the final price of the relocation but also to determine your insurance. Alternatively, you have the option of requesting an in-home or video estimate, which will be more precise. Both of these types of estimates are also free.

How to Pick the Right Coverage?

When relocating from one state to another, the right coverage will make sure your possessions are protected, and you will have one less thing to worry about. Therefore picking the right type of coverage is essential. Ask yourself, do you have a lot of valuable antiques, rare art, or loved family heirloom? If you do, full value protection is the way to go. However, if you are relocating a worn-out couch of low-value limited liability coverage is the answer.

Is Full Value Coverage The Best Option?

LDUSAM offers its customers’ full value coverage insurance or limited liability protection mentioned above. In general, the full value protection is the better choice because you will be reimbursed based on the actual value of your belongings, instead of their weight. This is especially suitable if you have many valuable possessions in your home.

How does the full value coverage work exactly? First of all, you should know that this kind of protection will actually cover the appraised value of your things in case of an accident. To get the reimbursement, you should have your belongings appraised by a professional appraisal company, or you should disclose a commercial invoice to your insurer. Also, any item that has a value of $10,000 needs to be appraised. This is the only way to get your valuables insured for what they are actually worth.

If you have collectibles, artwork, antiques, and other expensive items, LDUSAM recommends obtaining full value coverage. Also, if you want to ensure the safety of your electronics sets, expensive furniture, and other precious possessions, full value coverage is a way to go. In some cases, objects can be repaired after the damage if that happens, the insurance company will cover the cost of the repair. If not, you will get the appraised amount to replace your item. An important thing to remember is that FVP will cover only items that were packed by the LDUSAM crew. If you opt for our full packing service, our movers will handle all of your items with the utmost care, making sure that they are as protected as they can be.

Those that opt for car shipping should also consider FVP. LDUSAM offers two types of trailers, and for as long as it is in our possession, each vehicle is covered up to $100k on an open trailer, or $500k inside an enclosed truck. With our FVP, you won’t have to worry about your four-wheeler getting to the new location.

Indemnity Claims Are Time-Sensitive

The claim process can be opened after delivery is finished. LDUSAM receives high star reviews because we take each claim very seriously and resolve any issue to the satisfaction of our customers. Our Customer Care Department will guide you through the claims process and resolve it as fast as possible.

If it happens that your possessions get damaged during the transport, you can make an indemnity claim. However, one thing you should be aware of is the time frame. Every indemnity contract has a time limit, and if you file a claim after it expires, you won’t be reimbursed. Usually, the contracts are limited from 30 to 45 days after the move.

Frequently Asked Questions About Moving Insurance

Relocation can be a long process. Those that are moving the first time might get overwhelmed by all the things that need to be done. Whenever you have a moving-related question, don’t hesitate to ask, our customer service agents will gladly give you all the information.

Since many questions about moving insurance can come to mind, we made a list of frequently asked questions and answers that might provide some clarity and resolve your concerns:

Will basic insurance cover the damage to my TV?

Yes, 60c per lbs is the policy regarding basic insurance. However, LDUSAM can provide crates, protection, and other materials for your peace of mind.

Can I move my 70 inches curved TV without insurance?

Sure, you have basic coverage, but if you do not own an original TV box, we need to crate it. However, keep in mind that electronics are very sensitive, and you should consider getting FVP just in case.

How much is the basic insurance?

Basic insurance is free.

What items need to be crated in order to be insured?

Luxury or pricey possessions with a value over $10,000 need to be crated in order to be protected, as well as fragile objects.

Do you sell insurance?

Moving companies are not allowed to sell insurance, but they are required under federal law to provide valuation options.

Can I get third party insurance?

Yes, clients can get third party insurance if they want to.

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