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Reasons to get transit insurance for the move

transit insurance for the move

Speaking about the relocation, there is always a matter of security and safety of your items. Naturally, you will do anything in your power to ensure your items safely reach the desired destination. And it doesn’t matter if that location is your new home or an office. The only important thing is to get your belongings in one piece. What you need to know is that sometimes even your movers can’t guarantee for such a thing. A single bump on the road can lead to damaging items in the back of the truck. That is why you need to make sure in such case of events you have an extra security. One of the best ways to do that is to get a transit insurance for the move. This type of move is very specific and here you’ll see why it’s important to get it prior to your relocation.

Why you should consider taking transit insurance for the move?

The very first thing you need to know about moving insurance is that not all are the same. For instance, moving companies usually offer regular moving insurance that most of the people take. But. that type of insurance does not cover all your belongings during the whole relocation process. Additionally, this type of insurance is usually priced based on the weight of your belongings. Therefore, if you want to relocate your pool table, you will hire pool table movers. But insurance for that specific item could cost you a lot more than a new pool table as it is very heavy. Therefore, you will need to find some other way for ensuring it.

pool table
Insurance for heavy items costs more

One more important fact is that moving company have limited liability when it comes to moving insurance. In case of any damage or even loss of your items, they will not cover the whole value. This cost will be split between your movers and you, even if you have a regular moving insurance. Therefore, you need to find a different solution such as transit insurance for the move. You can get this type of insurance separately from your regular moving contract. Even though it will cost you a bit more, it is the best way for you to be sure that nothing will surprise you during the move. In all honesty, that is the most important thing.

Important note

What is even more important is for you to put your negotiating skills in good use. You need to emphasize to your movers that you will have transit insurance for the move, and to ask them to lower their final price. This way you will remove all liability form them as well, and they will probably meet your request to lower moving service fee.

Things you need to know about transit insurance for the move

Just like when you researched for best cities for your new home, you will need to conduct a research about transit insurance for the move. Important to realize that there are several factors that will impact the price of your policy. In all honesty, not all of your items have the same value, hence insurance for different items will cost you differently. But, there are some rules as well when purchasing this type of insurance. For instance, if you have some antiques or expensive jewelry, you’ll need to pay more than for other items on your list. But, the most important thing is to have a detailed inventory list. Based on this, you will be able to get a specific quote for your moving insurance.

antique furniture
Make sure you get an extra coverage for antique items

A transit insurance policy can be basic and advanced, just like the regular moving insurance. What is different is that, with this type of insurance, your belongings will be covered in full during the whole relocation. So, in case of an accident, you will not need to participate in the coverage process. depending on the type of your items, besides the regular coverage, you can get an insurance for:

  • Mold and Mildew– in case of humidity during the transit, this will additionally cover your belongings.
  • Pairs and Sets Coverage – if anything that belongs to a set gets damaged during the move, you will be able to get coverage for the whole set instead of for only one piece.
  • Electronic or Mechanical Derangement– this will come useful in case you are transporting electrical equipment. Sometimes they can get faulty during the move without any visible damage.

What to do in case of damage when you have transit insurance for the move?

If anything bad happens during transportation, it is important to react fast. You need to inform the insurance company that you want to make a claim and ask them for further instructions. Important to realize that claims can take up to several months, hence you need to start as soon as you find out something happened. Do not delay informing insurance company about the damage you noticed. Additionally, you will need to involve your movers as well, as they’ll have to cover some paperwork as well.

truck on the road
If you spot any damage, inform the insurance company as soon as possible

As you can see, getting a transit insurance for the move will help you sleep peacefully during the move. Especially if you are about to have a long distance relocation that can take up to several days. This type of insurance is a bit different than regular moving insurance. That is why it is important to negotiate with moving companies when making a final agreement. In case they have only regular moving insurance in their offer, make sure you purchase a transit insurance for the move additionally. This is the formula to success and safe and smooth relocation. Even though it will cost you a bit more, it is something you can’t risk with.

In the end, it will cost you less than paying for reparation or even new stuff. Better safe than sorry. Good luck!