Moving House Insurance: Protecting Your Belongings During Transit

Moving House Insurance: Protecting Your Belongings During Transit

One of the most overlooked aspects of moving house is adequate insurance coverage. Many movers assume their possessions are automatically protected during transit, only to discover otherwise when damage or loss occurs.

Understanding Your Coverage Options

Basic Carrier Liability: Moving companies are required to offer basic coverage, typically based on weight rather than value. This often amounts to only cents per pound per item—completely inadequate for valuable belongings.

Full Value Protection: For an additional fee, movers accept liability for the full replacement value of your belongings. This is the most comprehensive option but costs significantly more.

Third-Party Insurance: Independent moving insurance providers offer policies that can supplement or replace carrier coverage, often at better rates for high-value items.

What to Document Before Packing

Take photos or videos of:

• All furniture and electronics in their original condition
• Any existing scratches, dents, or damage
• Serial numbers for appliances and electronics
• Artwork and valuable collectibles

Filing a Claim

If items are damaged:

• Document everything immediately with photos
• Keep all packing materials until the claim is resolved
• Complete required claim forms promptly
• Get repair or replacement estimates

“The peace of mind that comes from proper insurance coverage is worth the investment, especially when transporting valuable or irreplaceable items.”