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How to Choose the Best Insurance When Moving Out

Packing your home and moving to another place is probably the only household task that requires careful consideration and planning. If you are planning to move out, the first thing you should do is to insure your belongings. In other words, carefully investigate the market for the best insurance plan that fits your needs and requirements.

In order to choose the best protection of your belongings when moving out , you have to be familiar with the different types of insurance plans.

The given insurance plan applies when the company loads your stuff and drives them to the new place. They also can be used when you load the items and the company only drives them.

•    Valued inventory: This is the fullest insurance option, which provides the best coverage. You can use this type of insurance when you are moving interstate, moving within the same state or for international transportation. In order to protect your belongings, you have to make a list of all the items you want the insurance plan to cover.
•    Lump Sum : While the first insurance is offered for all distances moving , you can use lump sum only for interstate and international transportation. The total amount the insurance will cover is estimated when you place a lump sum value of all good you want to be covered by the insurance.

What you should remember about both insurance plans is that you have to list all the items you want to be insured. Those items , which are not listed will not be covered by the plan.

Another type of insurance companies offers, when they provide you with both loading and transporting your stuff is the so called Perils insurance. What you should remember about this insurance is that it covers only lost items and when it is caused by the employees. If while packing you lose some of your stuff, the insurance will not cover them , because it is not due to company employee's negligence. There are also two types of Perils insurance:
•    Selected inventory: It provides coverage for items, which are listed prior to the transportation. The insurance will cover only the selected items.
•    Total value: This option offers you an insurance of all your items. It is a good option to consider , if you want all your stuff to be protected during shipment.

The last insurance plan is provided only in case of total loss of your belongings. The circumstances under which this type of insurance applies are: fire, truck accident and stolen trucks. Remember that the total loss plan covers only items , which are lost due to a negligence of company representatives. This type of insurance plan can be purchased any time before the mover pack your belongings. However, the other types much be purchased at least two days before the packing.

As you can see there are a number of insurance plans , which you can choose from. Your choice should depend on your personal needs and preferences. Make sure to investigate each one of the insurance plans and completely understand under what conditions each one of them applies. It seems that each one of the insurance plans has its own advantages and disadvantages. Keep in mind that the better the insurance is, the more expensive it will be. This is why, I have reminded you several times to make the decision based on your personal needs and preferences. If you want your belongings to be fully insured you have to pay some additional money.

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