Why Does The Moving Insurance Matter?

Moving isn`t just about packing up your things, loading them in the moving van, and hitting the road. In reality, this is quite a complicated event that most people find very stressful. In fact, it`s often ranked as one of the most stressful events you can endure in your lifetime. According to numerous research, the stress level regarding moving is similar to the one that divorce causes. So, you can see that the problem is very serious. Like with everything in life, proper planning and organization are crucial aspects. Even though you might think that planning requires you to only list a couple of tasks, it`s not the case. There are too many things to think about, and this might represent a problem for an inexperienced mover. The whole thing can get even more complicated when you need to move highly valuable items. For example, if you break a couple of glasses, this won`t represent an issue. But if you break highly valuable glossary or antiques, your whole world can turn in a second. This is where moving insurance comes in. But why does the moving insurance matter? Well, we`ll gladly explain it in the following text below.

A Concept Of Moving Insurance

What Is It?

First, we`ll explain what moving insurance stands for, which will help you decide whether you want it. Moving insurance is usually provided by a third-party (company), mostly for people who plan on hiring professional moving services Brooklyn to handle the move. The exact amount of insurance depends on the policy, but the general idea is to compensate for any possible damage or breakages of your belongings. In some cases, moving insurance is an important thing to have, especially when transferring highly valuable items. Furthermore, renter`s or homeowners insurance doesn`t cover these types of complications, so it`s better to be safe than sorry. Now that we have the definition of moving insurance covered, it`s time to talk about whether you need it or not.

Do I Need It?

To be clear, most people purchase moving insurance without even thinking about the reason, which is a great decision. But, it is an important factor in deciding how to pick the right mover. However, those moving on a budget might have a harder time deciding if the expense is worth it. Now, we`re not saying that professional movers won`t handle your belongings with care, just that mistakes do happen. With the moving process, anything is possible, and it will be very hard to prove that the moving company is responsible for damaging something. This can leave you with a significant loss, which in some cases, can`t be compensated.

A Home Moving Concept

The whole situation is out of your hands when you hire a moving company, and they load your items into the moving van. One wrong bump and your highly valuable glossary are out. So, to decide whether getting insurance is the right decision, we recommend making a list of all of your belongings. If there are more than two highly valuable items, we recommend getting moving insurance.

However, this decision depends on you and only on you. If you have a hard time deciding, we recommend taking some time to carefully think about the subject. If that`s not enough, you can always consult a professional to help you.

Types of Insurance

Now, for you to know which type of insurance is tailored for your needs and how to avoid overpaying for something you don`t need, we need to cover all types of insurance. Generally, there are three types of insurance in use. So, let`s proceed with explaining all of them separately.

Full Value Protection

Full value protection, also known as full replacement value protection, pays the current value of the market replacement for any possible item. This type of insurance works by replacing the damaged item with a new item or paying the cost of fixing the aforementioned item.

Most of these plans come with a deductible, which is why you need to entirely understand what you`re dealing with.

A Full Value Protection Concept


Basic Carrier Liability

As the name says, this one is pretty basic, which is why you need to talk with the insurance agent. Ask them what this type of insurance covers. Oh, and don`t forget to ask them what isn`t included in the price. However, you should know that this type of insurance is completely free and included in professional moving services. So, it`s always wise to choose a reliable moving company with lots of perks.

Separate Insurance

This is optional insurance and varies from state to state, meaning that it has an individual background.

Now you`re familiar with three universal types of insurance, meaning it will be easier for you to decide on the best possible option.

Choose the Right Insurance

Even though finding the right type of insurance might seem like an easy task, in reality, it will take some time for you to find all the useful information. When hiring a professional moving and storage Brooklyn company, make sure to explore all available options before deciding on the best one. Don`t forget to get at least a couple of moving quotes Brooklyn since it’s the best way to evaluate local moving companies. Then, we recommend making a list and listing all possible choices. The next thing you should do is perform a background check on every option. Keep in mind that there are numerous unreliable movers out there, which can result in the loss or damage of your belongings. In any case, best of luck with your move, and of course, make sure to explore all available options before making a final decision.

8 Important Questions to Ask Before Hiring a Moving Company

Unless we moved already in the past, we have so many questions that we want to ask before hiring a moving company. It is really important to know the details of the move and to find out everything that you want to know. Otherwise, you might end up hiring a fraudulent moving company, or a moving company that will charge you more than necessary. It is a great idea to compare the costs of at least three moving companies to get a clearer picture of how they function.

Hand Shaking

1. What type of moving insurance do they offer?

This is a very important question that you should ask your movers before hiring them. There are two types of moving insurance that they can offer you. Here they are:

Limited-value moving insurance – the limited-value moving insurance means that the moving company will pay you up to 60 cents per kilo for your damaged items. This type of insurance is typically free and most moving companies offer them. But, if you are moving costly items such as your new TV or a pool table, this compensation will not do you any good.

Full-value protection moving insurance – this is the type of insurance where you will have to pay for getting your items insured, but it is absolutely worth it. In this way, you will not have to worry about the items that have great value, as in case of an accident, you will be either fully reimbursed or get the same item from your moving company.

2. What is their USDOT number?

Ask your movers for the USDOT number of their moving agency. This is the way to find out whether your movers are licensed. You can easily check this information on the site of the Federal Motor Carrier Safety Administration. If your movers are not licensed, find another moving company that is, as chances are they are either frauds or amateurs. Needless to say, you do not want such a moving company relocating your items.

3. What is their cancellation policy?

In the case that you will not be moving after all, or you will not be using the services of a certain moving company, you will have to cancel the move. But, before hiring a moving company, ask them what their cancellation policy is. It is typically free of charge to cancel two weeks before the move, but the cancellation fees increase as the moving day gets closer.

4. What is their physical address and can you meet them in person?

This is another thing that distinguishes professional moving companies and fraudulent ones. If you do not see a physical address on site, ask them what it is. Arrange for a meeting in person. If they say no, then you will be saving yourself from a potential scam. If they say yes, then you will have a perfect opportunity to ask them all of these questions face to face, which is always a great option.

5. Do they offer any discounts?

White Piggy Bank

Some moving companies will offer a discount based on a referral, so if you know someone who has moved with that moving company, it is worth of try. If there is any possibility to lower the expenses of your move, then you should go for it. Also, bear in mind that moving companies charge less if you are moving out of peak season which is from May to September. Working days and the middle of the month are also great days for moving at a lower cost, and if it is suitable for you, you should definitely move then.

6. What type of estimates do they offer?

This is a question that you need to know the answer to before hiring a moving company. The more options they offer, the better as then you are free to decide what suits your move the most. There are three basic types of moving cost estimates that you can choose from.

Calculate Your Moving Costs
The best moving company in Brooklyn will not hesitate to give you a precise estimate

Non-binding estimate – this type of estimate is just an estimate which does not guarantee that you will pay a certain amount of money for the weight of your items. The cost is estimated based on the weight, but if the weight is bigger than originally stated, you will pay the full amount. This is the type of estimate that you should avoid unless you do not have a lot of items to move.

Binding estimate – this is a better solution. In case that the weight is higher you will only pay for the shipping services, for example. However, in case that the weight is smaller, you will still pay the original amount.

Binding not-to-exceed estimate – if you have less items than originally estimated, you will not have to pay the full price of estimated cost. If your items weigh more, you will not have to pay for that. But, in case you want to add a few items on a moving day, you will need to make a new type of estimate on spot.

7. Who will handle the unpacking and other after-move services in your destination country?

Ask your movers whether they have representatives in the country that you are moving to. It is important to know whether the same company or the subcontractor will perform unpacking, furniture assembling, and other services. Once you find out who the subcontractor is, you will be able to find out whether they are reliable as well.

8. What additional fees do they have?

Again, it is important to know whether you will be charged extra and in exactly which situations. Furthermore, you should ask them to write everything clearly in the written form, so that you have everything you need in writing. Additional fees are usually charged when there is no elevator in the building or when there is no parking space in front of your home so the items have to be carried longer than necessary.


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