What is the right insurance for your Falls Church move?

Apart from the being selective about which Falls Church moving company to choose for your Falls Church move, it is also important that you choose the right insurance. People are typically of the mistaken notion that moving insurance is a simple matter of “you break it you buy it”. You pay the moving company a lot of money to move your things, so why shouldn’t they be totally responsible for whatever they manage to lose or break? The reality is a bit more complicated.

Choosing the right amount of protection for you Falls Church move can be a tricky thing. Every move is unique and every option has its pros and cons. It isn’t always about which option offers the most protection, as naturally the most protection does not come cheap. Fall Church moving companies as a rule are competent and professional so it is also reasonable to expect that they will do everything in their power to make sure you move is carried out smoothly, without breakage or loss.

In the end there are three things which have to be weighed when picking the best protection for your move: The first is the complexity of the move; How far will you be moving? Will your belongings need to go up and down flights of steps? The second is the cost of the insurance; can you afford it? Can you afford to lose your belongings? Lastly, how valuable and important is your cargo? Given that there is only a slim chance that your Falls Church movers may damage or lose something, is your stuff so valuable that it would still be worth investing in total protection?

While it is true that every move is unique, some general guidelines should apply to most moves; this should give you an idea of what kind of insurance is best for you:

• Basic liability a.k.a. Released Valuation – This is adequate for small, short distance home moves, in which there isn’t any cargo of significant value. Basic liability is the default form of mover’s valuation protection; it is compulsory and provided by Falls Church movers at no extra cost. Under basic liability, movers cover your items by weight at a rate of thirty cents per pound for short distance moves and sixty cents per pound for long distance moves. Getting this coverage entails the least hassle as it is there by default. This does not work for high value appliances such as TVs; under this type of coverage you could end up with just $6 or even less should your TV get smashed falling off a loading ramp.
• Full value protection- This is ideal for most residential relocations, wherein some items may have substantial value but the majority of the items are not especially expensive. Full value protection is premium mover’s valuation. It gives a lot more protection than basic liability. All your “movables” are weighed, the total weight is multiplied by $4 or more if you wish, the result becomes the ceiling value of the protection. Should an item or some items be lost or damaged, you will be given enough money to replace them with comparable new ones; however, should the full cost of the lost or damaged goods exceed the ceiling, you will only be given the ceiling amount and nothing more.
• Replacement value coverage - This is the smart choice for shipments full of items which are relatively expensive but which don’t weigh very much such as computers, flat screen TVs, precious antiques or expensive art. While it is the priciest of the options around, you would use this option when losing your belongings or equipment would be simply catastrophic. Under Replacement value coverage, you will be paid according to the cost of replacement for any items damaged or lost. There is no ceiling applied, you will be paid in full for everything lost or damaged even it the whole shipment is lost or damaged.

While all the options above give you additional protection, the best protection is still to select the best Falls Church movers you can find. Before investing in additional insurance, check to see if you already have insurance. A lot of homes come bundled with moving insurance in the event that you eventually move out. Should you take the time and effort to pick the right Falls Church moving company and the most viable form of insurance, you should have no worries on moving day.