Insurance Coverage for Furniture Removal: Ensuring Peace of Mind

Understanding the Importance of Insurance

In the furniture removal business, mishaps, like dented walls, broken toes, or smashed heirlooms, might occur. But with the proper insurance, any of these costs can be covered. There are several points to watch for when choosing the right insurance coverage for furniture removal. Hence, looking which type of coverage to choose, how to select the right coverage, and how to make a claim, along with other aspects proves to be worth the time before Moving Day arrives.

Types of Insurance for Furniture Removals

Full-Value Protection

This coverage is based on the contents’ valuation. This means that based on the overall value of the transported items, 1% of the total sum is the cost. For example, if the transported items are worth $30,000, full-value protection will cost around $300. And in case of damages, the moving company has two options, either to repair the item or replace it with another one of the same value.

Released Value Protection

The released value protection tends to be an economical option, where the limit is set at 60 cents per pound. So, in the case of unfortunate damages to any item, the reimbursement is set at 60 cents per pound. Or for example, if a 10-pound item is damaged, the item is weighted, and the weight is multiplied by .60 cents, which is the amount you will receive as a payout.

Selecting the Right Coverage

Choosing your coverage is all about reaching that peace of mind. By selecting the right furniture removal insurance, you can be certain your belongings are well protected. Before deciding on the type of insurance, discuss it with the moving company to see what they can offer, as well as charges for each option. Compare the findings with your plan regarding distance, number of items, and their value. Putting all those options in front of you for comparison you will end up with a type of insurance you will feel comfortable with.

Coverage Limitations and Exclusions

Coverage limitations and exclusions should be another point you should consider when selecting moving insurance. As discussed previously, based on a selected package, certain limitations will take place. For example, the limit that can be paid out in case of damages. In some cases, there might be some limitations based on the area where you move. As such, reading the fine print is highly recommended.

The Claims Process

In those cases where claims have to be made, it is always better to start sooner than later, although many moving companies will try to expedite the process. You can submit a claim either by giving the company a call or in the case of bigger companies, logging into their claims portal and filling out a form. Often, you’ll connect with a representative who will assist you throughout the process. For some bigger cases, the company can send a team to fix the issue for you or even advise on further instructions on how the item can be repaired or changed.

Decluttering and Inventory

An effective way to be in control of your inventory (and be fully aware of what you own exactly) is to create a home inventory binder. By taking pictures, and jotting down notes and descriptions, you can record all items and valuables, so once the moving takes place (and eventually if you decide to get home insurance as well), you will know exactly what you had and its exact condition. Also, this way, no one can go against your word about the condition of the damaged goods.

Additional Insurance for Valuable or Fragile Items

If you possess any high-value items, it is crucial for these items to be insured. As not all insurance policies have the same coverage, going for another coverage to supplement the one the moving company provides is never a dreadful thing. You have to be certain the coverage is sufficient for the high-value items you have in transit.

Preparing Furniture for Safe Transport

Also, if you pack the items by yourself, the main thing is to pack carefully, making sure you choose the right boxes. Pack everything securely and tightly as possible. If any of your boxes contain fragile items or perishable and hazardous materials, make sure the movers are aware of this. The same goes for items of high value.

Evaluating Insurance Options from Different Movers

You never want to get the first moving company you will find. You would like to compare their quotes, what kind of policies they have, and if they can accommodate your requests. Reading online reviews will also give you more of a perspective of their services. Feel free to ask questions, and make sure you understand their whole moving process and the claims procedure.


To help the move go smoothly, prepare a good plan for how your items and furniture will be packed, check for the collected quotes, and go for a reliable moving company. Make sure your high-value items are additionally insured and be aware of how the entire process is progressing. Once you have gained peace of mind, the task of moving will be easier.

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