I don't have an anecdote for you this time, unfortunately. I was just reminded of the issue of moving insurance when I was chatting with a client just last week and thought I'd bring it up with you all. He was impressed with the options available to him. He wondered if high-value possessions were common place in this industry. I told him they aren't unusual but taking out protection is wise for anything you value, even if it has just a sentimental value.
There are three main types of insurance policies available to you from a moving company, though not all movers will offer good deals. For most people, Replacement Value Coverage works best because if, for example, their TV is damaged, then they can simply get a new TV of a similar style or value. It's a clean swap.
However, if you are moving something of great value then Declared Value Coverage is ideal. Generally, there is a bit of negotiating done before an agreed figure is struck, but once it has been then the compensation sum is set. It's great for people who include a valuable piece of artwork, an expensive musical instrument or even antique furniture on the itinerary.
No-one likes to admit it but accidents can happen at any time so, as one of the country's leading moving companies, we would urge all of you to get insurance for your move.
By the way, our client took out Basic Liability Coverage, which involves agreeing a dollar-per-pound value of the total load transported. He told me he had nothing of any great value and wasn't moving very far so he was confident nothing would go wrong. Nothing did!
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