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Old 06-18-2008, 03:38 PM
 
Location: Bend, OR
3,296 posts, read 8,444,032 times
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I am having a professional moving co. do our move from Colorado to Oregon. Right now, the quote I have, basically comes with the basic, bottom line, $0.60 per pound insurance. My moving rep., who also happens to be my uncle, tells me this is all I need. However, I'm not totally convinced. There are several options to choose from, one is a $500 deductible, one a $250 deductible, and the other a $0 deductable. They range in price from $175-$400 in addition to the move. Does anyone have an informed opinion as to whether one of these options is worth it or not? We do not have a lot of high dollar items, but in general our furniture and other belongings are fairly new. It would certainly cost us well over the total move price to replace everything if something happened. The items I am most concerned about would be our LCD TV, furniture, and Grandma's china. Would you risk it with the basic $.60 coverage, or go with the pricier insurance? We are moving in 4 days, so I need to let the mover know fairly quick.
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Old 06-18-2008, 03:52 PM
 
Location: Leaving fabulous Las Vegas, Nevada
3,859 posts, read 6,869,991 times
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Delta07, the key question is, "can you replace those items with the .60 per pound if something goes wrong?" I got the extra insurance and rested easy. If you feel like damaged goods can't be repaired or replaced the the basic, get the extra.
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Old 06-20-2008, 06:38 AM
 
Location: Tucson!
415 posts, read 1,502,024 times
Reputation: 231
Check with your homeowner's insurance. Either at the old house or the new house. Some policies have provisions (or you can add a rider) which would cover the move.
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Old 06-21-2008, 04:25 PM
 
1,218 posts, read 3,656,370 times
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I used to work in the moving industry. Remember, if you were to utilize your homeowner's insurance policy, that results in an increase in your rates. Insurance companies especially nowadays are truly loathe to pay for anything and if you have a claim, it's a black mark on your record.

I think the peace of mind is worth the extra couple hundred dollars. You need to remember, that packed items must show outside signs of visible damage--unless they were packed by the mover. If you packed them, and something breaks without outside signs of damage, you're SOL.
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