Every insurance policy is unique because every person and thing is unique. Yet there are some good ground rules to keep in mind when it comes to moving insurance, in particular, that tend to hold true across the board. A move can be complicated, and you want your belongings to stay safe during every step. When you understand your options—and go with a great moving company—then everything should be in the clear!
Knowing the Moving Insurance Essentials
The first thing to realize with moving insurance is that it operates differently from your typical homeowners or renters insurance policy. Those are designed to safeguard your property in everyday situations. Traveling between two locations on your moving day is something else. That’s why you might want to secure additional insurance.
Moving insurance in Indiana, as in other states, refers to coverage for your belongings during a move. Occasionally a homeowners or renters insurance policy will cover your items while you’re moving, but it’s not the norm. So for real peace of mind, you need to check that your moving company will have an insurance policy in place for your move. Otherwise, you could be in a risky position with everything you own in case of an accident. If something were to happen with the truck on the interstate, can you really afford to replace all of your furniture?
Hiring a reliable moving company that has protections already in place can help you minimize those risks. And when you go with a highly-reviewed moving company, you’ll not only have the benefit of having others doing the heavy lifting on the moving day, you’ll also have the assurance that they’ll be working with care. Nothing should go wrong, but if a worst-case scenario were to pop up, they’ll be able to help make it right.
Colt Moving Insurance Coverage Options
At Colt Moving, we make moving easy. That includes your moving insurance coverage! We carry Full Commercial Insurance, including Actual Value Replacement. That way, you can get exactly what you need for your move right with us.
Your first option comes standard for every move when you choose Colt Moving and is FREE. This is the Standard Indiana Mover’s Transit Coverage of $.60/pound per item. This is the standard coverage for most professional movers. If your movers don’t offer it, then that probably means they’re operating without a license.
The second option with our movers is the Actual Cost Value Damage Coverage. This applies coverage to all articles in your move and comes with a $150 fee. By going this route, your coverage won’t be limited by the industry’s standard “per pound” rate for your items.
Creating a personal inventory can help ensure proper coverage for the premium policy. Of course, there’s also the option to purchase a moving insurance policy from a third party. Not every moving company will have the option of insurance, and if you want to be covered, then you may need to find another provider.
Trust the Colt Movers to Treat You Right!
No matter which option you choose for your moving insurance, by working with our team at Colt Moving, you can trust that our movers are going to treat your belongings with care, just like they were our own. We know that moving can be stressful, but we always work to make the day as simple as possible for you. Our goal is to give you the best moving day ever!