Valuing your items for a Moving Insurance
You can do this by (1) writing down all significant pieces of furniture; glassware, appliances, electronics, personal effects, etc…, (2) give each a mark and an approximate weight. If you have a large number of books that you’ll be packing into boxes, (3) assign each box an approximate weight and state it on the outside of the box. This can be applied to clothes, kitchen items, tools and other loose items. (4) mark each box an approximate replacement value, it would only aid you in the workers handling of your items. Be careful when you price a high value item as the mover may not give you a value you would be comfortable with.
In case you are moving specific and expensive items like works of art or jewelry you must be exact in your details of the item. Some movers would require you to produce an appraisal by a third party of their choosing. Upon approval you must provide specific instructions regarding the handling of the item.
Replacement value means the cost to replace the item with another item of comparable material and quality. The replacement must be used for the same purpose. This applies unless the cost to repair or replace the damaged item is less at the discretion of the insurer.
It is a good idea to take photos of all pieces, especially items of sentimental value or high appraisal. This will assist in keeping track of your inventory despite the list supplied to you by the mover. The idea is to have your own independent system to countercheck the movers and keep them honest. This will help if you need to make a claim.
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Moving Insurance Basics
Insurance is a service that can protect you and your interests from loss where a person or group of persons agree to pay a negotiated amount in exchange for an assurance of compensation executed only in the occurrence of certain events resulting in a loss for the protected party. It is a contract guaranteeing this protection, actionable by law and functional only by certain details of the contract. Thereby resulting in an insured party whose property is not protected against loss and an insurer or company that assures the compensation in case of loss or damage resulting in loss.
Should I rely on my moving company’s coverage for Insurance?
Moving companies are first and foremost businesses that transport your items. They are not in the business of safeguarding your belongings from incidents in case they break something. So, no, you should not rely on just what the moving company quotes you. Basic coverage that is provided by a mover usually goes for $0.30 to $0.60 per lb. for intrastate transport and as low as $0.10 per lb. of an item for interstate transport. Go out and shop for a third party insurance provider and ask about their moving insurance coverage packages.
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Different types of ‘moving insurance’
Moving insurance is essential in office relocation and house relocation. Let us discuss two different types of ‘moving insurances.’ One is insurance that your house insurance provider offers. Second one is the insurance that your movers offer. We need to choose any of these two options. Main thing to keep in mind is to read the terms and conditions of moving insurance policy paper. We need to verify the price and fee they charge for insuring our belongings.
There are different types of Moving insurances. Insurance companies offer wide variety of plans for relocation.
Different types of relocation insurance
- Inclusive insurance
There is no separate fee for inclusive insurance. ‘Inclusive insurance’ includes all charges. We need not pay any extra charge. A draw back for this plan is its limited coverage. Service providers may give low value protection for our valuables. The total claim amount for loss or damage of valuables will be low for this type of insurance.
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Relocation: Say The Goodbyes
When one has to move from one city to the next, one has a million thoughts racing through their head. They range from things like finding a new place, job, friends, and arrangements for kids and their pets. One also wonders if one will be able to fit into the new set up without any hiccups. This period is like riding the emotional rollercoaster. One moment there is joy considering the fact that any move is for the better. New places, better opportunities and all things new. Right on the heels of this euphoria rides the fear of the unknown. The many questions with “what if’s”. What if the move does not work out like one thought it would or what if all things went wrong?
It is in these moments that God can help – through the loving hands extended by friends. Friends serve to help bolster one’s spirits when the need arises. While one is neck deep in the preparations for relocation, one must not forget to inform friends. The extended friends’ circle has to be notified as well and the new address for communication has to be intimated. This is a task which one must do with care. Humanity is made up of relationships and hence it is important that one keep his friends updated.
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Securing Furniture during a Move
Furniture is what props up various human actions like sitting, lying down, holding objects at convenient heights or simply as storage devices. They are such an integral part of life that they have been classified under ‘mundane’ things. They add comfort to our lives and make relaxation possible. They make the living room habitable. One should take special care of it if one desires to enjoy them for long. Furniture can be made from many materials like wood, metal, plastic or hybrid material. Whatever type of furniture one has, one must ensure that the right kind of care is given to it during relocation. It is from the early Mesopotamian civilization and the Egyptian civilizations where movable furniture was first made. Thus it can be seen that today’s concept of light weight movable furniture has its roots in ancient days.
When moving from one place to another one should give careful thought to the methods of packing and transportation involved. One must personally oversee the packing if hired hands do the job. If one has coffee tables or tea tables with glass tops, one must make sure that the glass is carefully removed from its framed setting. It must then be wrapped in packing paper and placed in telescoping cardboard boxes. This means that one places the glass sheet in successive cardboard boxes – in other words, like a box within a box. If one does not have these materials, curtains, blankets, quilts and other large pieces of cloth can be used to securely wrap these glass table tops. The metal frames and legs can be dismantled and wrapped in packing paper or thick newspaper and then placed inside boxes. Care must be taken to label these boxes properly with the word ‘Fragile’ neatly stenciled on it. When placing them in the van or truck, care must be taken to see that no weight is placed on top of these boxes. The best way to transport glass table tops is to stand them upright.
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