When it comes to office or house removals, trusting people with your valuables can be hard. There's the constant worry of things getting damaged, scuffed or broken during the process. While there are professional and careful removalist teams out there, an event beyond the control of anyone might happen. Traffic accidents, bad weather, theft or even fires are all possibilities.
Because of such eventualities, it's prudent to consider insurance while in transit.
Here's everything you need to learn about house removal insurance, including how it works:
You may already have it
Your current home insurance policy might cover items in transit. This is because it already covers the contents of your home, whether they're on the move or at home. Furthermore, your removals company might also have compulsory content insurance coverage for your goods upon signing up for their service.
Therefore, one thing you need to know about this kind of insurance is that you might have it already.
Always double check claim limits and details
The maximum claim amount for every situation, item or category usually limits every insurance policy. Therefore, it's vital to establish which situations you're covered for—for instance, fire, theft, loss, delays, weather situations, damage etc.
You might be able to claim only up to a particular amount for your items. Consequently, if you're concerned that you'll be unable to claim your item's full value, it's prudent to know how much standard content insurance plan will offer you first.
Always value your items
Do you have items that need extra provision when it comes to coverage? You might need to obtain proper valuation of items such as financial documents, jewelry, wine, artwork, paintings etc. Add some form of special add-ons to the standard content insurance plan. Doing so makes sure you're fully protected in case something happens while in transit.
Any special requirements to be considered?
Some insurance companies might request that you utilize professional home packing services in order to ensure things are in an acceptable standard of care prior to being moved. Others need an inventory of all things to undergo house removal so that they offer you an accurate quote.
It's always advisable to fulfill any special requirements. In case something happens, you'll not suffer from delays in claims processing.
Moving, especially from one state to another, can be stressful and busy. You need all the peace you can get. There's no better way to be stress-free than by being insured while in transit.