When you’re preparing for a move, there’s a lot to think about—packing, organizing, and coordinating logistics. But one thing many people overlook is moving insurance. In our opinion, understanding and selecting the right insurance for your move is just as important as choosing the right moving company. It’s your safety net in case anything gets damaged, lost, or stolen during the process.
Choosing the Right Partner
We believe working with a trusted and professional moving service can make a huge difference in your moving experience—especially when it comes to insurance options. Rogers Moving provides helpful information about coverage choices and works closely with clients to ensure their belongings are protected every step of the way. Their site offers guidance on evaluating your options and choosing the right insurance based on your needs and budget.
What Is Moving Insurance?
Moving insurance protects your belongings while they’re in transit. Even the most reliable movers can encounter accidents—slippery roads, unexpected bumps, or shifting boxes in the truck can result in broken or missing items. Moving insurance is designed to cover those losses, offering peace of mind and financial protection.
Types of Moving Insurance
There are a few different types of moving insurance coverage, and it’s important to know what you’re getting.
1. Released Value Protection
This is the basic coverage most movers include for free. However, it only pays about $0.60 per pound per item. So, if your 20-pound flat-screen TV breaks, you’d only get $12—not even close to replacing it.
2. Full Value Protection
This option offers more comprehensive coverage. The moving company is responsible for the full replacement value of any lost or damaged item. They may repair, replace, or offer a cash settlement.
3. Third-Party Insurance
If you want even more protection, especially for high-value items like antiques, you might consider buying separate insurance through a third-party provider. These plans usually cover scenarios like natural disasters or theft—things that may not be included in the mover’s coverage.
Questions to Ask Before Choosing
- What’s included in the basic coverage?
- Are there any deductibles?
- What’s excluded from coverage?
- Can I get a written copy of the policy?
You should always ask for documentation and read the fine print. Some policies exclude valuable items or items packed by the homeowner.
Final Thoughts
Choosing the right moving insurance isn’t just a technical detail—it’s a way to protect your peace of mind. Evaluate the value of your belongings, understand your risks, and take time to explore the insurance options available. Whether you’re moving across town or across the country, a little preparation goes a long way in making sure you arrive at your new home with everything intact.
