Camelot Moving and Storage located in Santa Clarita, CA offers local and long-distance moves, commercial relocations, and local storage

Gaining Clarity on the Subject of Moving Coverage

A major concern shared by anyone relocating is that of damage—damage to their belongings, to their new home, and/or to their old home. This concern begs the question: How much moving coverage should I purchase? While the details below may be overwhelming and cause you to decide to stay put…forever, rather than deal with moving, remember that by educating yourself and becoming more familiar with every aspect of the moving process, you will be better prepared and more confident in your approach to your relocation.

How much moving coverage should I purchase?

How much moving coverage should I purchase?

Let’s begin with some terminology: coverage and insurance. Moving companies do not sell insurance. Only insurance agents can do that. Moving companies, operating in line with the Public Utilities Commission (PUC) regulations, provide basic coverage at no cost and some will offer Valuation Coverage, an option to purchase greater coverage, on items that may be damaged during the moving process.

What does all that mean? It means that a licensed mover in California will provide reparations or reimbursement up to a certain amount based on your selection of the type of coverage.

The basic coverage that is automatically in place without purchasing any additional protection gives you specifically a limit of $0.60 per pound per item. For example, if your 100-pound dining table is damaged due to the moving crew’s negligence, the company is accountable for up to the maximum of $60 to repair or compensate you for the damaged table. Note that it is up to the mover to decide to repair or compensate the client for the damaged item. If the damaged item can be repaired satisfactorily and appropriately by a professional furniture or appliance repairman, then the moving company will likely choose to do so.

What is your best option for high-value household items? Start by developing an estimated value of your household goods. Your homeowners or renter’s insurance policy may prove helpful if it has an estimated value of your household goods. For instance, if your insurance policy has valued your household items at $50,000 worth of personal assets, then you may look into purchasing something beyond the free, limited coverage. This is by no means a necessary move, but simply an option if you feel more comfortable with this protection.

So now let’s examine the option of Valuation Coverage.  For an additional fee you may purchase protection that gives you actual value coverage for your belongings. In this case, the weight of an item is not of concern but rather its actual current value. This is known as Valuation Coverage.

Let’s compare these two options by using an example of a highly valued antique: a table inherited from Grandma that weighs 200 pounds. The free coverage would provide up to $120 ($0.60 x 200) to repair or compensate the client for the table at the moving company’s discretion. That amount would certainly fix a scratch but would not be enough to pay for a replacement. You might be more inclined to purchase Valuation Coverage, which increases your coverage to the actual value of the item. If it is determined that the current worth of Grandma’s table is $1,000, then with Valuation Coverage you need not worry about its weight. In this instance you may have it repaired or replaced with the higher figure as the limit. Not all moving companies will offer Valuation Coverage, so be sure to ask for it if you are interested in purchasing this greater coverage.

There are a couple of other points you should know.  If you have any items of exceptional value and you would like additional coverage with a specific item in mind, for example, an original piece of fine art, you should make sure and let your mover know about it.

Please remember that a moving company is only responsible for negligence on their part. A mover setting a box on a table and scratching the surface is certainly an example of negligence. On the other hand, if a mover damages an item that was already broken or damaged, such as a glass vase that was glued back together or a cracked table leg that had been repaired previously, then the mover cannot be held responsible for the damage that occurs during transport and handling of this item. An item must be able to withstand some stress to a reasonable degree for a moving crew to handle it. Of course, any reputable moving crew will do its best to ensure that every item it handles arrives safely by taking into account an item’s current state.

Professional care and skill

Professional care and skill

Speaking of reputable moving companies, it has been said that the best coverage is selecting a company that is competent and cares about their work.  Take the time to ask friends, neighbors, and relatives what they may know about the company you are considering or research online on your own.

If you have any concerns or questions on the topic that were not answered above or by your mover, please feel free to call us.

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Camelot Moving & Storage
28040 Industry Drive, Valencia, CA, 91355
Phone: (661) 255-3112
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