Los Angeles Movers Blog | Everything About Moving in Los Angeles You Need to Know

Insurance Coverage


How to calculate degree of insurance needed

If you want to calculate the degree of insurance that is required, you need to consider a lot of factors. The factors include the weight of what would be moved; the contents of it, and the total number of rooms.

You need an inventory of what and what would be relocating with you.

  • The things that will move with you such as dining room furniture, television sets, refrigerator, sofa and so on
  • You need to ascertain how heavy each of these household equipments are
  • Calculate the replacement value of the items as well

Make a summary of what is in the inventory

  • A total count of the items that will be moved
  • The overall weight of these items
  • An established overall value of all your belongings as regards replacement

A beneficial tip: You should take photos of the items that you are planning to move. This is vital because it helps to establish the physical condition of the belongings. And it also goes a long way to confirm the list found on the inventory.

The various types of insurance that covers moving

Insurance that covers moving through the mover that you hired is ascertained by certain assessment.

Usually, it is better to evaluate the move in order to determine liability. This evaluation is carried out by both you and the mover you hired.

There are three basic forms of evaluation. They include the value of Lump sum, complete value protection and declared value.

  • The declared value is an evaluation of the belongings that will be moved as judged from the total weightiness multiplied by a particular amount for each pound. For example $1.10/pound)
  • If your belongings are as heaving as ten thousand pounds, the mover takes the responsibility for $11,000. Settle of claims can then be based on the depreciated worth of the valued property damaged.
  • Value of the Lump sum is when you require an insurance that has more value that the weight. Insurance can be gotten for a particular amount which is invariable dependent on the firm providing the insurance for every one thousand dollar value. You need to understand the value of the items being shipped. You must also produce a waybill in your handwriting.
  • Full value coverage covers property that is lost, damage or destroyed. This type of coverage covers the amount required for repairing or replacing damaged belongings. Normally, there is minimal coverage cost and applicable deductions

Additional covers that are offered

Insurance for homeowners: Most of these policies cover ten (10) percent of a person’s belonging and the value. It includes a cover for theft en route, breaking while making the normal deduction. This is usually a good complement to the cover provided by the particular mover. Transit cover is another supplement to what is also provided by a mover. You should go through the policy and ensure it fills in the gap that is ignored by most of the other policies. This type of cover can make you save thousands and is normally gotten from the mover, a do it yourself firm or from a firm offering insurance for homeowners.


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