Keep in mind that no two companies are the same. This goes without saying all insurance for moving companies keep different standards that they follow especially when it comes to the nitty-gritty stuff on the details of the moving insurance. So before you sign along the dotted lines, it is advisable to do a little research. Take note that there are companies that specialize in short distance moving while there are also some that cater cross-country or cross-state moves.  And more often than not, these two companies offer different coverage on moving truck insurance. In most cases, short distance moves offer lesser insurance coverage.

Relocation truck insurance, in general offer protection for possible accidents, damage and even theft. One of the most common misconceptions that most of us share is the notion that your regular car insurance can amply cover the insurance that comes with relocation. This is entirely different and should not be confused.

There are two most common types of insurance for moving offered today: the Limited Damage Waiver insurance and the Supplemental Liability Insurance. The former offers protection on you as a client of not having to pay should there be any damage incurred on the rental truck, only up to a certain amount. The latter, on the other hand, providers coverage should there be any claim made against the rental company or you by a third party.

Now if you are concerned about the value of your possession, then you need to ask your service provider if they offer assessed value insurance. Such type of insurance will cover the declared cost of your items should it incur any damage or loss while in transit. This insurance is highly recommended when you plan on moving across countries, as its probably not necessary when the trip is relatively short. So how do you go about assessing the rental service? First ask for the rental rates for the suitable size of vehicle. You can ask for quotes via online forms or by phone and is usually based on a daily rate basis along with the total mileage. Once you have strike a reasonably deal with your service provider then make sure to make the necessary reservations.

Despite the helpful tips and guides on avoiding moving scams available online, it is surprising that complaints files on scams keep popping up. So here are the top three not-so-known moving scams you need to know about to avoid dealing with disreputable companies.

Guaranteed Moving Quote

The big mistake that most clients commit when dealing with moving companies or truck rentals is insisting on getting a binding estimate, which is more commonly known in the industry as “guaranteed moving quote”. This basically means you can expect to be billed the exact amount quoted, or even pay less if the initial cost estimates were too high.

This poses a big problem if the quote is inaccurate. What happens? When an estimator visits your home to provide a better evaluation on the total service charges, they are usually required to provide you a quote that is guaranteed to be equal to or lesser than the guaranteed estimate.

If the guaranteed estimate is wrong, whether it was done on purpose or not, the moving quote becomes totally void. And some companies would renegotiate and inform you on the moving day itself. So try to make sure they get to do the final inventory, and you to declare everything. Remember, these are professional movers so they know if you are not being truthful.
Packing

Most people tend to believe that just because they have personally attended to packing, they will not be getting extra charges. In most cases, some clients have not packed everything on schedule or may have ran out of boxes to use. This is not a big issue, simply ask your service contractors to do the job for you. But you need to understand you will pay a rather hefty price on boxes and packing tapes. You will soon discover charges are more than you bargained for.

Some mercenary movers would pack boxes that are half filled so they have to use and charge extra boxes.
No Definite Move Size

Some movers may take a look at your stuff and declare that the moving service rate will be based on per cubic feet. But problem is, do you know just how much is one cubic foot? Then ask yourself, why would they rely on cubic area rather than weight? Chances are, the truck is poorly packed and you end up paying more.

Where to Find It

There are many different places to get insurance coverage for your move. The first place to look is with the company that you have chosen to handle your relocation. By law, all moving companies need to have certain liabilities that they pay for, but these liabilities are rarely enough to cover your things. Truck rental companies have different levels of liabilities, as they will not be driving the vehicle, but they are still bound by law to carry some type of insurance. Because of this, most moving companies offer optional add on insurance that you can purchase when you decide to move with them. Most of these extra policies are based on a charge per pound that your belongings weigh.

Homeowners Policies

Many homeowner’s policies also include a clause for moving and in transit items. This may be something that you did not purchase when you got the policy, but you can opt in for now. Make sure to call your agent in order to find out what the specifics of your own policy are, and if you can purchase anything extra to cover anything that you are moving. This can save you money on your move by reducing your insurance costs, especially if you are already covered.

Outside Companies

If you find that neither of these options works for you, then there are plenty of outside companies that would be happy to help you line up a policy to cover your goods while they are in transit. You can use one of these companies to cover everything, or you can use it to supplement any other policies that you might have already lined up. It is important to get estimates here, just as it is when choosing a moving company, because you want to find the best deal that still gets the job done.

Peace of Mind

Once you know that your things will be covered, you will no longer have the need to stress about things going wrong or getting broken in your move. Make sure to keep a meticulous inventory list, however, as this will make it simple to deal with the insurance companies that are going to cover your move. Don’t forget to take pictures of anything that has some damage on it already, and consider moving small valuables yourself. Taking all of these steps will make sure that you get through your move in one piece, without having to stress yourself out.

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