The first thing you need to ask yourself is: Am I covered through my own Home Owners/Home Renters Insurance?
The mover will try to sell you what he calls “Insurance” but what the Department of Transport calls “Valuation Coverage”. Basically the mover has certain limits of Liability Insurance Coverage and he puts a price on the amount of “Coverage” you wish to take.
- A Mover cannot sell you insurance! Only an Insurance Broker can sell insurance in NY State.
- You are not buying insurance. You are buying protection under the Movers coverage.
- You cannot take coverage on a single item or a few items; you must take coverage for everything in your apartment.
- A typical charge is: $10 per $1000 of coverage taken, with a minimum coverage of $10,000 ($100 premium for $10,000 of coverage).
- If there is a claim to be made you must go through the mover, as it is the movers policy under which you have coverage.
- The mover will not want to go through his insurance policy because his loss runs will increase so you have to haggle and deal with the mover to get compensation directly from him.
- Any boxes packed by you are not covered under “Coverage” or “Insurance” unless there is visible signs of damage to the outside of the box.
- Pressed/Engineered wood (Ikea type furniture) cannot be insured as it is not supposed to be moved once assembled.
At Irish Moving Insurance we do not sell “Coverage”. We direct you to Moving Insurance.com where you fill in the forms, place a value on your goods and you take proper insurance with them. In the unlikely event that there is damage to your goods then you go directly to Moving Insurance.com and file your claim.
- There is no middleman.
- You have real insurance.
- You avoid the mover.
- MovingInsurance.com is cheaper than coverage through a mover and Moving is the only business they insure.
Be smart and take out your own insurance coverage through MovingInsurance.com
Yours Truly, Bob Stevenson.