Maryland, Virginia & Washington DC Insured Movers

Moving can be a complicated and sometimes risky process. Sometimes incidents occur which run against even your best made plans. No one wants to anticipate loss or damage during the process of moving, but even in the most well-planned move one can encounter difficulties. It is very helpful to acquire an understanding of your mover`s liability policies just in case you encounter any problems that result in the loss or damage of your property during the moving process. A mover’s liability is determined by the valuation statement on the Bill of Lading. This is included in the writing in your moving contract. One typically encounters the following three types of liability coverage. Consider each one in order to determine which one best suits your particular needs.

One of the more basic forms of coverage you will encounter is the Limited Liability type. This refers to the minimum coverage required by law. Limited liability typically runs at $.30 per pound. This means that with limited liability, if you incur damages to your property during the moving process, you will receive a liability payment at the rate of $.30 per pound. This is the most Basic type of protection available, and as such, while it is better than nothing, it does not provide the customer with a whole lot of protection.

The second option to consider is what is referred to as the Added Value option. This is an optional form of coverage that comes highly recommended for purchase. With this option, the actual value of lost or damaged items is covered by the plan. In the event of an incident, this kind of coverage will protect any item as long as it was declared in the original contract, and assure payment based on the full value of that item, at the current replacement cost. The added value option is strongly recommended. This is particularly true if your move includes items that have a value which exceeds $5,000. Moving customers who purchase added value, and end up needing to use it, are always grateful that they did. Better safe than sorry.

The final option you might consider is to take out a separate insurance policy to cover your move. This involves contacting a third-party insurance provider in order to purchase coverage for your move. This is particularly helpful if you wish to move difficult or impossible to replace valuables. If you intend to move antiques or high-end furnishings, you certainly should consider purchasing a separate insurance policy to provide you with complete coverage for these items. Many homeowners’ insurance policies have options for covering the move of expensive items. Check with your insurance provider to see if your property is covered for a move.