The Ultimate Guide to Moving Insurance
Moving can be an exciting new chapter, but it also comes with risks. From scratched furniture to damaged electronics or lost belongings, accidents happen—especially during a busy move. That’s why having the right moving insurance is essential for peace of mind.
At POG Moving & Helpers, your trusted local moving company, we want you to feel confident and protected throughout the moving process. Whether you’re handling a student moving situation, a dorm move, or relocating your entire home, understanding moving insurance is crucial.
This guide will walk you through everything you need to know—from the types of coverage to how to choose the best policy for your move.
Why Moving Insurance Matters
When you hire movers in your area, you’re trusting them with your belongings. But what happens if something goes wrong?
Moving insurance provides financial protection if your items are damaged, lost, or stolen during transit. Without proper coverage, you could be left responsible for repair or replacement costs—potentially thousands of dollars.
For those hiring long distance movers, moving valuable items, or handling fragile possessions, insurance isn’t a luxury—it’s a necessity.
Types of Moving Insurance
There are a few common types of coverage you should be aware of:
Released Value Protection
This basic coverage is often included by default, but it’s minimal. It typically reimburses you based on the weight of the damaged items, not their actual value. For example, a broken laptop might only be covered at a few cents per pound.
Full Value Protection
This is a more comprehensive option that covers the repair, replacement, or fair market value of the item if it’s lost or damaged. It’s highly recommended if you’re moving expensive or irreplaceable items.
Third-Party Insurance
Some moving companies offer insurance through third-party providers, offering customizable plans to meet your needs. You can also purchase separate insurance if you want extra coverage.
What Does Moving Insurance Cover?
Each policy varies, but in general, moving insurance can cover:
Damaged furniture, appliances, and electronics
Items lost during transport
Theft or burglary during the move
Accidental damage from handling or loading
Weather-related damage (depending on policy terms)
Be sure to read the fine print to understand what’s covered and what’s excluded.
How to Choose the Right Moving Insurance
Here’s how to select the best coverage for your move:
Assess the Value of Your Belongings
Create an inventory and estimate the value of items like furniture, electronics, artwork, and heirlooms.
Understand Your Moving Route
If you’re working with long distance movers, you may face higher risks of damage due to extended transport times.
Review Policy Terms Carefully
Check for exclusions, limits, and claim procedures. Some policies require documentation, photos, or receipts for verification.
Talk to Your Moving Company
Ask your moving helpers what insurance they offer and whether it’s sufficient for your needs.
Consider Third-Party Options
If the coverage provided by your movers isn’t enough, explore additional insurance plans.
Common Moving Insurance Questions
Q: Is moving insurance required?
A: No, but it’s highly recommended—especially when moving valuable or fragile items.
Q: Can my homeowner’s insurance cover my move?
A: Sometimes, but you should check with your provider. Coverage may be limited during transit.
Q: What happens if I don’t have insurance?
A: You could be financially responsible for damages or losses during the move.
Tips for Filing a Claim
If something happens during your move, follow these steps:
Document the damage immediately with photos and notes.
Notify your moving company and insurance provider as soon as possible.
Keep receipts and repair estimates.
Follow the claims process outlined in your policy.
Prompt communication can make all the difference in receiving compensation.
Conclusion
Moving is stressful enough—don’t let the fear of damage or loss add to it. With the right moving insurance, you can protect your belongings and focus on settling into your new home. Whether you’re coordinating a student moving, dorm move, or working with trusted movers in your area, insurance gives you peace of mind every step of the way.
Need help planning your move and choosing the right coverage? Contact POG Moving & Helpers for expert advice and reliable moving services.