You pack all of your belongings in a truck and hope for the best but even with the most careful movers, accidents can happen. Did you know that typical moving insurance barely covers your prized possessions in cause of a problem.

Typical moving insurance pays about 60 cents per pound for damaged goods. So if you have a $1,000 item that only weighs 10 pounds you will get a whopping $60 back.

To make up the gap you should consider purchasing moving insurance. There are several options for you to choose from:

Full value insurance

Full value insurance is the most expensive insurance because it covers your whole shipment. If anything is lost, damaged or destroyed, the movers can either offer to repair the item, reimburse you with cash or replace it with a similar item. Check the policy to see if there are coverage limits on certain items.

Released value insurance

Released value insurance is the most typical type of insurance. It usually covers goods for 60 cents per pound.  Released value insurance is usually offered at little to no cost to you. make sure to check your moving contract, some exclude coverage if you pack your own boxes.

Third-party insurance

If you choose the mover’s released value option, you may want to opt for additional insurance  from a third-party. Under this type of coverage your mover would be liable for 60 cents per pound of damaged goods and the insurance company would pay any of the remaining costs.

As with any contract make sure to read the coverage thoroughly so you can make an educated decision about what type of coverage you will have for your move.

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Meticulously Maintained Newer Colonial featuring 1st floor w/ eat-in kitchen w/ SS appliances, island, new light fixtures & back door to 28×16 composite deck built to support a hot tub w/ vinyl railing & propane hook-up for grill (included & 2 propane tanks), formal dining room/office w/ HW floor, spacious living room w/ mini-split A/C that cools the whole 1st floor, half bath & lovely foyer, 2nd floor w/ front to back master w/ mini-split A/C & walk-in closet, 2 more large bedrooms & full bath, heated walk out basement w/storage & laundry, heated auto open direct entry 2 car garage w/ new doors, 15,000 watt whole house generator, whole house lightning surge protector, new roof, new well pump, rain gutters, vinyl siding, shed, 4 BR septic design for future expansion, plenty of parking w/ separate area for boat or camper & huge backyard w/ fenced area all set far back from road on private 2+ acre lot in great location w/great schools! Please don’t drive up driveway w/o appointment

This is a Colonial style home and features 6 total rooms, 1 full bath, 1 half bath, 3 bedrooms, 2.12 Acres, and is currently available for $287,600.

For complete details click here.

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Incredible Updated Cape featuring marvelous mudroom w/ tile floor & slider to great deck & aboveground pool, stunning totally remodeled kitchen w/ new cabinets, new appliances, granite counters, island, pantry & tile floor & backsplash open to formal dining room w/ HW floor, spacious living room w/fieldstone fireplace w/ pellet stove insert, bay window & HW floor, updated full bathroom w/ tile floor, 1st floor bedroom, 2nd floor w/ large master, 2nd sizable bedroom & large half bath w/ plumbing & space to convert to full bath plus full unfinished basement w/ laundry hook-ups, storage & bulkhead, generator hook-up, oversized attached direct entry 2 car auto open garage w/ new doors & large private backyard w/ shed & patio all on 1.043 acre lot in nice neighborhood w/ great schools. Many recent improvements include new well, new boiler, new septic, pellet stove, replacement windows & vinyl siding!

This is a Cape style home and features 7 total rooms, 1 full bath, 1 half bath, 3 bedrooms, 1.04 Acres, and is currently available for $269,900.

For complete details click here.

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Friendly Moving CompanyIf you’ve never heard of a moving scam, then consider yourself lucky. But many people across America are falling victim to these scams. Moving scammers have a multitude of ways that they can take advantage of you. The main scam seems to be packing all of your household items into their truck, and then adding on exorbitant additional fees in transit, effectively holding your items hostage until you pay up. Less popular scams involve unlicensed movers posing as legitimate companies, by-the-hour rates where you are charged even while no work is being done, and in the rare case, a sham company showing up, packing up all of your possessions, and driving away, never to be heard from again. To minimize your risk, follow a few simple guidelines.

  • Use a local, reputable business.
  • Never do business with a broker. Always do business with the actual moving company.
  • Always be sure that the company is licensed to do the work they are to be performing. This includes getting the business’s full name and address, motor carrier (MC) and Department of Transportation (DOT) license numbers, phone numbers and an e-mail address. If a company cannot provide you access to these things, then move on.
  • Be sure to use a company with actual employees, and not day laborers. If they use day laborers, there is a chance that they may not have the proper insurance in place.

Additionally, be sure to get any estimates in paper form. They are legally obligated to do so, and if they balk at the idea, then it’s time for you to move on, and find a company that will play by the rules.

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