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california Information Center - How to Choose Moving Insurance.
How to Choose a Moving Company
How to Pack
How to Prepare for Your Move
How to Coordinate Your Move
How to Choose Storage Facility
How to Donate Stuff
How to Choose the Right Box
How to Choose Moving Insurance
Moving in NYC
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International Moving
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HOW TO CHOOSE MOVING INSURANCE


CONSIDER YOUR OPTIONS.
There are three different types of moves: local (intrastate), long-distance (interstate, crossing state lines), and international (between countries). Regulations for in-state moves may vary from interstate moves which are subject to federal law. International moves are regulated by the Federal Maritime Commission. Take this into consideration when choosing moving coverage. Ask your moving company for a full explanation of the insurance options they provide.

Interstate moving companies are required, by Federal law, to offer you two alternatives for valuation coverage: (1) Full Value Protection and (2) Released Value Protection. You can also purchase (3) Third-Party Insurance, coverage from an outside insurer.

(1) Full Value Protection
Your mover will be liable for the replacement value of lost or damaged goods. In terms of protection, this is the preferred choice. However, it does cost more. Unless you select the alternative coverage described below—Released Value—your mover will transport your shipment under the Full Value Protection level of liability. If any article is lost, destroyed or damaged while in your mover’s custody, your mover will have the option to repair it, replace it, or offer you the money to replace it at current market value. The policy may be subject to deductibles and varies cost-wise, by mover. It is important to understand your mover’s specific terms.

There are limits on value, and you must notify the mover of all goods worth over $100 a pound. This includes jewelry, electronic equipment, etc. You can choose to opt out and receive only Released Value coverage.

(2) Released Value Protection
Released Value coverage is offered by moving companies at no additional charge, but the protection is minimal. The mover assumes liability at a minimum of $0.30/lb. per article for local moves, or $0.60/lb. per article for interstate and international moves. For example, if your mover loses or damages a 10-pound television valued at $1,000, you will only receive $6.00 in compensation (60 cents x 10 pounds).

To opt for Released Value Protection, you must sign a specific statement on the bill of lading or contract agreeing to it. To some extent, you are reducing your protection in return for a lower cost.

(3) Third-Party Insurance
You also have the option of purchasing insurance from an outside company. Your moving company will still be liable under the Released Value Protection plan. The remaining amount is recovered from the third-party insurer, up to the Before purchasing insurance, check your homeowner's insurance policy to see if you're already covered, although generally this is not the case.

A helpful booklet from AMSA, which details industry insurance standards, is available for download at http://www.moving.org/files/forms/consumer_handbook.pdf.

DOCUMENT AND INVENTORY VALUABLE ITEMS.
Taking photographs is the best way to document the condition of your possessions. Accidents are rare with a professional mover, but they do happen. In cases of damaged or lost articles, you will have to establish the item existed.

INSURE VALUABLE ITEMS.
You may decide that certain items are irreplaceable and either move them personally, or purchase higher coverage. Your existing homeowner’s insurance policy, most likely, will not cover damages incurred to objects outside your home, but check first.If you wish to take out additional coverage for belongings being moved interstate, consult a nationwide insurance company, like: Moving Insurance.com and Baker International Insurance.

For helpful information on insurance and moving rights, visit this website:
http://www.moving.org/files/forms/consumer_handbook.pdf



Moving Tips

  • The moving industry has "peak" and "off peak" seasons. The "peak" season for movers is during the summer, as is the beginning and the end of every month. During that period of time the demand for a mover is heavy.
  • If you move is during a peak time or season, your costs will probably be higher. If your move can be rescheduled for a time that is less busy, you may be able to reduce your moving costs.
  • Contact the movers to set up appointments for an On-site estimate. A relocation consultant will come to your home and do a visual inventory of the contents of your home that you are planning to move. He will then prepare a written, guaranteed offer for your move. It is important for you to know that there is more than one type of estimate. Ours is different than an hourly rate estimate, which can, and usually does, fluctuate on the day of the move, usually up.
  • Decide what items you want to ship and what will be discarded. Inspect your home from top to bottom or from attic to basement before the relocation consultant will arrive. Show the consultant everything that you will be moving.
  • Be certain that the mover has marked all items that are going and not going on the survey sheet. The mover will prepare an estimate that will include all charges for the services that you requested. Keep in mind that if you decide to take more items or take fewer items, your relocation consultant must be notified, as this is different than the services agreed upon, and necessitates a revised written estimate and price to reflect these changes. This must be done prior to the day of the move. We recommend that you review the agreement at least three business days prior to your move, and alert your representative of any and all changes to your inventory and services needed, such as changes in packing responsibilities. Our guaranteed price is for the inventory and services agreed upon.
  • If you decide to do your own packing or partial packing, remember that movers are not liable for damage to boxes packed by the customer. However, the driver has the right to refuse to accept any carton that may be improperly packed. If the driver has to re-pack cartons that the customer has packed, additional charges will apply.
  • If you decide to do your own packing, you should complete all packing by moving day. You will be busy enough on moving day without having to worry about packing
  • Obtain a written appraisal of antiques to verify their value. Do not retouch, wax or oil wood furniture before moving. Some products may soften the wood, making it vulnerable to imprinting from furniture pads.
  • Inform the mover of any possible unusual situations on either end so your estimate is accurate. Make the mover aware of any problems that he may encounter at the delivery such as parking problems, road access, street accessibility, delivery time restrictions or if there are any stairs or elevators involved. The cost of your move can increase for such unexpected occurrences. If the moving crew has to perform a long carry (more than 75 feet from the moving truck to your door) you may be charged for excessive distance. Some neighborhoods may prohibit trucks over a certain weight. The driver will need to offload your possessions into a smaller vehicle and charge you for a shuttle van and the additional offload. Advise the relocation consultant if you anticipate this situation arising. In addition, advise the consultant if you are moving to a high-rise building where an elevator reservation is required. This is a very common procedure, and failure to inform your relocation consultant can cause problems for the delivery schedule if the mover does not know about this in advance and a Certificate of Insurance needs to be drafted, particularly if the delivery occurs after regular business hours or on the weekend.
  • To check the reliability of the moving company you can contact the local Better Business Bureau (BBB) to inquire about the companys complaint record and how these complaints were resolved. Ask your friends, family and neighbors for recommendations and advice on movers.
  • Be sure to understand the coverage for loss or damage of your shipment. There are different levels of liability that you need to be aware of. You need to understand the amount of protection provided and the additional charges that may apply. See Los Angeles Movers guide to moving insurance to understand the different options.
  • Notify the post office that you will be moving. Provide them with a new address (permanent or temporary). You may use this link to change your address online www.usps.com.