When you’re moving house one of the most important things is to keep your belongings safe. And, as your movers are human, sometimes accidents happen. A table may get scratched in transport. Or, a glass can get broken somewhere along the way. Unfortunately, sometimes a box of your belongings can get lost, as well. So, to prevent all of this, we want to inform you about moving insurance NYC. Hence, here is a short article to inform you about what is covered, what isn’t and how you can keep that safe, as well. So, from experienced long-distance movers NYC straight to you, here is our knowledge regarding insurance for your relocation.
When it comes to moving insurance, what do NYC movers actually offer?
This is probably one of the most common headscratchers for homeowners. The question is: when my movers say insurance, what in the world does that mean? So, as popular Queens movers of choice here is our introduction to moving insurance NYC. We’re going to give you a breakdown of the different types of value protection available.
The first option with reliable New York relocation specialists is complete value coverage
So, this is one of the best kind of moving insurance NYC you can get. However, keep in mind that not all relocation companies will offer it. So, be sure to ask your reliable NYC movers of choice exactly what their insurance will cover. On the topic of what complete value coverage gives you, it’s the following:
- Damaged property. If any of the items which you’ve packed and sent to your new home are damaged in any way, you will be reimbursed. We always advise taking detailed photos of your belongings for this reason. Moving insurance NYC will cover everything you have proof of damage
- Lost belongings. Like we’ve mentioned, sometimes a mishap happens in transit. While NYC movers are efficient, care professionals, they are also human. Hence, they make mistakes. A box misplaced is also covered by complete value protection insurance.
- Completely destroyed items. So, these items are quite tricky. Often, they are the breakables or other fragile items you are transporting. And, they are also covered by NY moving insurance with complete value protection.
However, as amazing as this kind of moving insurance NYC sounds, it also had a drawback. In most cases, there are also minimum coverage amounts and deductibles to be careful of. So, when you’re reading up about this kind of insurance, do so with caution.
Then, your moving company from NY can also give you assessed value protection
In case your movers don’t offer complete value protection, there’s no need to despair yet. Assessed value protection is another type of moving insurance NYC your relocation company can give you. This kind of coverage is good if you’re transporting a lot of expensive, but not heavy items. After all, assessed moving insurance in the Big Apple is based on cost. So, for a specified amount of money, you will be able to purchase so much as $1000 per worth of value. However, while this may sound good, there is a drawback to each option. With assessed value moving insurance NYC you ought to be careful and write everything down on your bill of landing. If you don’t there is a chance that movers will take advance of that to avoid liabilities.
Finally, moving insurance NYC can be based on weight, as well
This is another type of NY moving insurance which can be offered by local relocation companies. The kind of coverage it offers is based on the total weight of your belongings. The mover will measure it, then multiply it by a certain amount and tell you the coverage which they are able to provide. This will be the moving insurance NYC maximum which they are liable for. Of course, the settlement would be based on the depreciated number of items which have been damaged or destroyed. Altogether, this is a reliable type of moving insurance which you could hire with your relocation company in New York.
Can renter insurance double as moving insurance NYC?
This may not be common knowledge among homeowners, but it is among local New York movers. Homeowner insurance can actually double as your moving insurance in the Big Apple. But, you may need to carefully look it over and make some adjustments. So, if you’re doing this remember to check if you’re insured for the transference of current policy. This means that you will be able to move your renter insurance from one home to the other. Of course, your belongings will be insured during transit. It’s a clever way to add on to the moving insurance NYC which your relocation company provides. It will keep all of your belongings safe and it won’t cost you as much as purchasing additional protection will.
Finally, what is the best way to ensure a DIY NYC relocation?
So, you’re among the numerous homeowners who have decided that DIY relocation is the way to go? That’s perfectly alright. While we do always advise a moving company to help with your New York relocation, we understand that it may not be your preference. Hence, we also wanted to tell you a bit about moving insurance in New York City when a DIY relocation is concerned.
First, you will need to ensure your rented truck. There are two options to consider here with moving insurance NYC. You can either accept the coverage provided by the rental company or call your car insurer. With the latter, it would mean extending the insurance on your vehicle to the truck. Then, if anything were to happen, you could claim the reimbursement as if the rented vehicle were your own. And, if you want to be on the safe side, we have another tip. In case your friends or neighbors are helping you out with your relocation, you may want to ensure them, as well. If you purchase civil liability coverage, it will keep your helpers safe, too. This way, you will have complete coverage with moving insurance NYC even during a DIY relocation.