Aren't we covered by our transportation service provider?
No, your items are not automatically covered by your transportation service providers, whether it is a moving company, mobile storage company, or a rental truck company. The basic Protection a moving company is responsible for is $0.30 or $0.60 per pound per item depending if your goods are shipped within the state or across state lines. In the case of a mobile storage or a rented truck companies, this liability is set as low as $0.10 per pound per item. Some vendors offer Valuation coverage, however this Protection does not provide the same protection as our insurance and often is more expensive.
Doesn't my homeowner/renters' policy cover my items for the move?
Most homeowners' insurance policies do not provide Protection for your household goods for moving purposes. However, you should check with your own insurance agent to see if your existing homeowner/ renters' policy covers your goods while in transit. Be sure you have a written statement from your insurance company stating that your goods are covered while in transit. Often, you will find that your goods are covered against damages while the movers are in your home packing, but not while the goods are in the movers' possession.
What is a deductible?
A deductible is a clause in an insurance policy stating that the insurer will pay that portion of a loss or damage remaining after a stipulated amount, to be paid by the insured party. When you purchase insurance from us, in case of a claim, you are responsible for any loss up to the chosen deductible amount. The insurance company will compensate you, based on the Terms and Conditions, for any amount above your deductible.
What is the deductible on my moving Protection ?
In most cases, we offer several levels of deductible: $250, $500, $750, $1,000 and $1500. The deductible you choose determines the cost of the Protection you are seeking to purchase, and is a one-time deductible and NOT per item claimed. Please choose a deductible that best meets your needs. Remember, a higher deductible will reflect a lower cost, and vise versa.
What is a Confirmation of Protection ?
A Confirmation of Protection is a document which includes the information you have entered on your protection application and the terms and conditions you have accepted for this Protection. This certificate serves as your proof of Protection.
Protection Types and Options
Do you provide Protection for internal damage to electronics and mechanical items?
This depends on the type of Protection you choose to purchase. We offer an Electrical and Mechanical Derangement Protection. This added option, covers against any internal damage to your electronics and/or mechanical items being moved where no physical damage is apparent. You can add this special Protection when you purchase your moving Protection on our website. Please remember that the MED is not available for Limited Protection
Do you compensate for an entire set or pair if only one or a few items of this set or pair are damaged or lost?
The Limited Protection option does not offer this coverage. However, in the case that you select Full Protection, we offer an additional Protection called Pair and Sets which will pay you based on the value of an entire set or pair, even in the case of only one item or a few items being damaged or lost. This Protection is for items that can ONLY be purchased as a pair or set. For example, a vanity set containing a dresser with a vanity mirror that can ONLY be purchased together. If the mirror is damaged beyond repair, the entire value of the set will be covered under this additional Protection — not just the mirror.
You can add this special Protection when you purchase your moving Protection on our website. Please remember that the Pairs and Sets Protection is not available for Limited Protection.
What is Full Protection ?
Full Protection provides replacement or repair (repair if possible, replace if necessary) of your entire shipment for all types of damage or loss, unless specifically excluded on our Terms and Conditions.
What is the Limited Protection insurance type?
Limited Protection (TLO) is an insurance type that will pay for damages only in case of damage or loss to the shipment resulting directly from the specific causes listed in the Terms and Conditions.