Tips On Using Insurance While Using Moving Storage Services
In the whole process of availing yourself of the moving storage services
, probably the most misunderstood concept is insurance. Most people have their houses and furniture insured. This makes them feel that any damage to the furniture will be covered. It is true that the furniture is covered but that does not mean it is covered everywhere. It is generally covered in your house. In case you were to move it elsewhere, it will be without any insurance as such.Not surprisingly, a large number of insurance claims are rejected by insurance companies on these grounds. So now what do you do? Do you have no recourse? Well, you do. There is an entire process that needs to be followed. If correctly followed, your possessions will be 100% covered right from your house to the storage facility and back.
*Know Your Policy: After you make a list of the items that you will be transferring with the help of moving storage, call up the insurance company and let them know. Ask them if your possessions will be covered during movement. In many cases, they will not be; however, it is a simple process to obtain an extension for your insurance. This may have some additional cost, but it may not be too much compared to a new insurance policy altogether. But you can also consider that as an option. Take a quote for a new policy and remove the possessions from the older one. Match both quotes, the old policy with the extension and the two policies, one old and the other new. Choose the best alternative.
*What To Insure: It is also important to know that everything you are moving may not require insurance. Check your list of items and see what you will store in those storage units. If you think they are not that valuable to be insured, exclude them from the list of items to be insured. Too many people pay a high premium because they include useless stuff in their policies. So insure what is essential and leave some things to the moving storage services.
*Checking Conditions: It is important to know that insurance will cover your possessions only under certain conditions. You must check if your moving storage services meet them. In case they don't, it is as good as not having insurance at all because the insurers will not pay up any claim. For instance, some items will only be covered in case of a climate-controlled self storage. So if you store them in a normal facility, insurance is futile.
*Checking The Exclusions: Even after you meet the conditions, there is some fine print still left. They are called exclusions. You need to be well aware about exclusions and must take due care to make sure that they are met and that your entire process is hassle free. Most moving storage services will be designed to make sure that nothing is excluded. Of course, they will not like their customers to end up on the losing side in case of a mishap.
Many moving storage services are capable of getting you great deals on your insurance. This is because they give bulk deals to these insurers for better rates. So make sure that you check their rates out as well.
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