Packing Service
Getting the Right Insurance Coverage for Moving
Under federal law, all interstate movers must offer two different liability options: Full Value Protection and Released Value Protection. Most movers offer both options for local or intra-state moves, too.
Types of Moves
Local Move
Any move under 50 miles is generally considered a local move, while relocating beyond that distance in the same state is an intrastate move. A local move is commonly charged at an hourly rate and includes charges for additional services. Longer intrastate moves are generally priced on the weight of your shipment. (Always check with moving companies about how you will be charged.) A move out of state is an interstate move, also called a long-distance move.
If you hire a mover from outside your state coming to move you within 50 miles within your state is still under the local move definition and pricing.
Moving Interstate
This is an entirely different matter.
Costs will be dictated by how much stuff you're moving, how heavy it is, and the number of miles the shipment will be traveling to your new home.
Cutting the costs for a long-distance move is simple: move less stuff (or less heavy stuff). If you have heavier items that you have not used for a long time, it may be better to dispose of them before moving.
One other factor affecting your move: if you're moving from Kansas to New York, well, you're not in Kansas anymore – the New York end of the journey will cost more because of the difference in labor costs between the two states. Ask the moving companies how this affects the costs.
Call Us Today: 1-888-208-1989
email: info@ondemand-services.com
Moving Service
On-Demand Services, LLC has an exceptional and excellent track record of providing a damage-free move. In extenuating circumstances when a damage or an accident does occur, we have a swift and stress-free damage claim resolution to indemnify our clients. We employ high caliber, well trained and well compensated crew including our truck drivers to safely pack and deliver your boxes and furniture to you. Therefore, every successful and damage-free move is a result of our recruiting programs aimed at employing the best and disciplined worker.
Your homeowners' insurance policies may or may not provide coverage for your household goods for moving purposes. However, you should check with your own insurance agent to see if your existing homeowner/renters' policy covers your goods while in transit, while some policies may cover you be sure you have a written statement from your insurance company stating that your goods are covered while in transit. In some cases, you will find that your goods are covered against damages while the movers are in your home packing or unpacking, but not while the goods are in the movers' possession or transit. Get a clear written explanation of protection coverages.
DO NOT FALL VICTIM!! to rogue or scrupulous movers. Do not let any mover tell you are 100% covered. You wont know until you have a costly claim and you will be on your own.
On-Demand Services, LLC assumes ownership and responsibility for the value of goods we transport. However, there are various levels of liability exposures and you should be aware of the level of protection provided and the charges for the options available. You should know and must choose the level of protection prior to your move.
Make a selection prior to the start of any packing or moving services:
Option 1: Released Value
On-Demand Moving Services has a maximum liability under State Law for loss or damage to your property of $0.60 per pound, per article up to a maximum of $2,500. There is no additional cost for this option. You may increase this liability for loss or damage by paying extra valuation charges.
Example: A 10-pound table is damaged or lost. You would be entitled to: 10 (lbs.) x 0.60 (cents per lb.) = $6.00. You would be allowed a maximum of $6.00 for that particular chair.
Option 2: Full Value Protection
Full value protection is the more comprehensive plan. Under this plan, On-Demand Services, LLC is liable for the replacement value of any lost or damaged belongings in your shipment. Their is $500 deductible for this option. If any of your personal property is lost, destroyed or damaged while in your mover's custody, your mover will, at its discretion, offer to:
- Repair the item.
- Replace it with a similar item.
- Make a cash settlement for the cost of the repair or the current market replacement value.
Option 3: Actual Cash Value
This is the most common option. Under this option, On-Demand Services, LLC would pay for a similar item at today's cost minus depreciation (replacement cost minus depreciation). In general, most household furniture are depreciated over seven years.
Example: Your purchased a couch for $1,500 last year and it got damaged beyond repair or lost. The first year depreciation is ($1,500 divided by 7 years) = $214.28. Therefore, you will receive a reimbursement for $1,285.71 or ($1,500 - $214.28). This is known as a straight-line depreciation, a depreciation amount of $214.28 will be deducted for each year you have had the couch. Your have to show an original receipt of purchase.
If you need further information on your insurance options, give us a call on 1-888-208-1989
Click here for more information on your Moving Protection FAQS
Moving In-State, or Interstate: What You Need to Know