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Moving can be a stressful process and you need to do everything in your power to minimize your risks. Unfortunately, accidents can still occur at any time and that is why many people now use moving insurance. This type of insurance is going to help you cover some or all of your costs if your property is stolen, misplaced or damaged in any way.

Are You Moving Fragile, High-Value Items?

The most important factor that you will need to consider is the value of your possessions. If you happen to be moving items that are extremely valuable or fragile, then getting insurance might be a good idea. When packing up and moving these items, several strategies exist to reduce the wear and tear that can occur in transit, but those methods aren’t always perfect. When a box is jostled or dropped, it could completely destroy a fragile family heirloom even if it was packed very securely.

Is it a Long-Distance Move?

Long-distance moves aren’t necessarily more hazardous, but your items will be out of your control for a longer period of time. There is also a much higher risk of an auto accident if the moving truck is out on the road for multiple days. Millions of automobile accidents take place every single year and many of those collisions involve larger trucks. While auto insurance might cover some of the possessions, the average policy isn’t going to cover tens of thousands of dollars in personal items. With the right insurance policy, you should be able to avoid a lengthy and expensive legal battle following an accident.

Does Your Moving Company Offer Complete Protection?

Before you hire a moving company, you should ask them about their insurance. Their policy might not cover unique issues such as items being stolen out of the back of a truck or moisture damage if any of the boxes contained liquids. Luckily, many insurance providers will help families come up with personalized policies that cover those unique issues. You also have the option of adding on specific insurance riders for individual items or containers.

If you decide to purchase moving insurance and a mishap occurs, then you must immediately contact your insurance provider to file a claim. These situations can become very complicated and you want to be absolutely sure that you are going to receive fair compensation for all of the possessions that were lost, damaged or stolen.