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Do You Need Third-Party Movers Insurance?

People purchase insurance to protect their important items, which is why many people wonder if they should purchase third-party moving insurance. At All My Sons Moving & Storage Rhode Island, we have a variety of insurance coverage options for your upcoming move. Many people find that our Rhode Island moving company provides the right insurance for their move, but this is a decision everyone needs to come to on their own. Before making the leap and purchasing third-party movers insurance, make sure you know everything about our insurance options at All My Sons Moving & Storage Rhode Island.

Basic Coverage

Federal law requires moving companies to carry standard liability insurance coverage for all moves. This basic coverage, also known as released value protection, provides coverage of 60 cents per pound. While this type of coverage is often ideal for less valuable items, it doesn’t always translate properly. For example, if you have fine China that is worth hundreds of dollars but only weighs a few pounds, it will only be insured for 60 cents per pound with this basic coverage.

Additionally, basic coverage insurance only applies to boxes that your movers have packed themselves. So, if you’ve packed up everything yourself, this basic coverage will not cover any damage during the move. However, if boxes are damaged after being packed by our Rhode Island full-service movers, your insurance will cover 60 cents to the pound of damage. While damage is very rare, this basic coverage provides peace of mind.

Enhanced Coverage & Existing Insurance

Our Rhode Island moving company offers upgraded insurance that can be utilized for more expensive items, or for higher per pound coverage of damage. This is available for additional costs that vary depending on the monetary amount purchased.  Call our office for specific additional coverage options.

Many people don’t realize that their existing insurance policies may cover damage as well. Renter’s insurance and homeowner’s insurance may also cover damage that happens during moves. Contact your insurance company for specifics on your coverage.

When to Buy More Coverage

Wondering if you should purchase additional third-party movers insurance? If your items are more valuable than the coverage provided by our Rhode Island moving company, additional insurance may be the right fit. If you’re moving longer distances, additional coverage can always be helpful. Because our Rhode Island full-service movers offer basic coverage, any third-party coverage purchased only needs to bridge the gap to fully cover your items. In the event of damage, third-party coverage will kick in after the basic federally mandated insurance is applied.

At All My Sons Moving & Storage Rhode Island, our highly trained movers focus on providing the best moving services possible. Though damages are rare, it is important to understand your coverage options. For some people, the basic coverage of 60 cents per pound is not adequate for their items. Consider third-party insurance if you are moving fragile, expensive items. Contact us for more coverage information.