Moving Insurance

Moving to a new home can be both intimidating and exciting. Packing up all your belongings, labeling your precious items, and arranging for a moving company is all part of the process. To ensure that your possessions arrive at your new home undamaged, it’s crucial that you hire the right moving company and invest in insurance.

The stress of moving to a new home can be aggravated if your belongings arrive damaged or marred. If you fail to invest in moving insurance, you could be on the hook for your losses. Even the most careful and conscientious moving companies aren’t impervious to accidents. Insuring your items before they are transported is the best way to protect your assets.

In the same way, you would take out house insurance, moving insurance is meant to give you and your belongings the right protection. Let’s take a closer look at a few reasons you need to get insurance before moving.

Types of Moving Insurance

To protect your items while they are moved to your new home, you should invest in insurance. Talk to your moving company about the types of coverage they offer. The three main types of moving insurance include:

Basic Carrier Insurance

  • Most carrier companies provide this type of basic coverage for your belongings. Before investing in insurance, you need to inventory your items and give each piece a replacement value.

Declared Value

  • Declared value insurance will give you the median protection you need. This policy will give you 1.25% of the value of lost or damaged items.

Full Coverage

  • For long-distance moves or to protect expensive items, it’s best to get full coverage.

Reduced Risk

Moving your items to a new home can put them in danger of becoming damaged, ruined, or lost. To help reduce the risk, you are taking by trusting a moving contractor; it’s best to invest in insurance coverage for your items. While not every accident can be predicted, if any of your items come to harm, you will not be at a loss for their value with the right insurance coverage.

Peace of Mind

Preparing for a move to a new home can be a stressful time. The last thing you want to worry about is your precious belongings being damaged during transport. Along with hiring a trusted and reputable moving company, adding insurance coverage will give you additional peace of mind.


We don’t often consider the value of our belongings until they are lost. Moving insurance is essential if you have antique items, cherished memorabilia, or expensive artwork. The cost of replacing broken or damaged items can be far more expensive than insurance premiums that will protect your items.

Long-Distance Moving

If you are moving to another state, your belongings may be on the road for several days. The longer your items have to travel, the more likely they are to become damaged. Moving insurance is the perfect way to protect your items during a long-distance move.

How to Find the Right Moving Company

Putting your personal items in the care of a moving company requires trust and security. Here are a few tips to help you find the best moving company for your transition.

Do Your Research

Your moving journey will not be complete until you find a trusted moving company. Start your search online to help you find local vendors. Pay close attention to the history of each company that you find, along with their online reviews.

Proof of Insurance

A professional moving company will be properly insured and licensed. When you begin the interview process to help you find a mover, it is essential that you ask to see proof of insurance and licensing.


One of the best ways to find a trusted mover is to get recommendations from family and friends. Consider using the same company that they have had success with.

Interview and Estimate

Finding a mover that will protect your items and make your moving experience easier is crucial. Interviewing your top choices will help you to narrow your options. Talk to each company about your needs, special requests, and moving schedule. You should request a formal estimate for services from each company. Keep in mind the lowest estimate is not always the best deal.

If you are preparing to move, choosing a moving company is one of the most important details you need to address. Consider these benefits of adding moving insurance, types of insurance coverage, and how to choose the best moving company to help your experience smooth.

We hope you found this blog post on Important Reasons You Should Get Moving Insurance useful. Be sure to check out our post on The Ins and Outs of Moving Insurance Coverage for more great tips!

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