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Getting Insured for an International Move

What's in this article?
  1. How To Get Insured For An International Move?
  2. Understanding Valuation Coverage
  3. Moving Services Contracts
  4. Coverage For Your Home Or Renter’s Insurance
  5. How To File A Damage Claim
  6. Among The Actions Which Can Limit The Moving Company's Liability, We Number
  7. The Following Are Some Basic Things You Need To Know If You Are Moving Overseas
Getting Insured for an International Move

How to Get Insured for an International Move?

Even though moving companies can provide the coverage amount for your relocation package, you still need to read the moving contract to ensure you fully understand the terms, the coverage and what the company can provide. The reason for this is, instead of insurance, valuation is presented automatically by many moving companies.

Understanding Valuation Coverage

Movers can give you several kinds of valuation coverage, such as:

  1. Complete Protection / Full Replacement Value Coverage

This is the most comprehensive type of valuation coverage, but it is not usually given by movers. This was made available for the protection of your belongings, whether they be lost, destroyed, or damaged while in your mover’s custody.

They also cover for the replacement or repair of your damaged property and can be used to obtain a cash settlement. Though it might sound perfect, there are also downsides to it. The coverage amount may be subject to the cost of repair, the depreciated value of the item and to a deductible level of liability that may reduce your cost.

  1. Assessed Protection/ Lump sum Value

This valuation coverage is the best if your belongings are valuable, but do not weigh much. You can set the amount by value instead of weight, so you can buy insurance based on the value of your items or per $1000 worth of it. The moving company will honor it only if it’s mentioned on your lading bill in writing.

  1. Weight Based Value Protection

You can set a per-pound amount for your items. The value of your item based on the weight of a shipment is then multiplied by the set amount / pound. Damage or loss claims are settled based on the depreciated value of lost or damaged items up to the full liability value based on the weight of the total shipment.  This will be settled according to the weight of your property and not its actual value.

Moving Services Contracts

Details that movers don’t want you to know:

  • Frequently stated in movers’ contracts is the following clause: Damage to your property during transportation is not the moving company’s liability. For instance, damage to your property due to the accidental falling of boxes during the move is not covered by the moving company, regardless if the boxes were not well packed or not properly placed inside the truck.
  • Typically on a basic moving contract, it states they will cover any damage the company caused. However, the movers will not compensate for damages sustained due to inefficiency in the way you packed your property.

In addition, your belongings may not be protected even if your company/employer paid for your relocation. It is best to ask your employer for a copy of the mover’s contract and a contact number so you can buy some extra insurance if needed.

A-1 Auto Transport can help you move your household goods nationwide. Call 888-509-3213 to get a free, no obligation to buy price quote on interstate moving services.

Coverage for your Home or Renter’s Insurance

You should be able to plan ahead after reading the mover’s contract and knowing which are the liabilities of the moving company and which are not. Afterwards, you can choose a proper valuation coverage for your properties.

The next step is to know through your insurance broker if your personal property is insured with a homeowner’s or renter’s policy in case of relocating. A typical homeowner’s or renter’s policy may only cover 10% of your damaged property during transportation.

That is why it is best to purchase extra insurance to protect and secure your belongings during transportation, while picking them up from your previous home, while placing them in a truck and during their transit to the final destination.

Among all types of transportation insurance, there is one that is most popular, the “Goods in Transit” insurance. This extra insurance is what most movers sell, but it may not be beneficial for you. Ultimately, it’s best to let your insurance broker assess if you need to get any additional insurance and also to help you select which moving company has a greater coverage and service. Finally, it is best to buy the extra moving insurance using a renter’s or homeowner’s insurance broker.

How to File a Damage Claim

  • Examine the moving company's inventory regarding the quantity and condition of your items before the shipment. Also check if your property has been transferred safely to its new location. This way, you will know whether the damages were incurred during the move or if they were pre-existing.
  • In case there are missing or damaged items upon delivery, do not remove the damaged ones from the box, so your claim will be stronger. A claim for loss or damage will not be recognized unless it is recorded in the inventory and is reported and acknowledged by the mover. The inventory list should be signed by you and the mover.
  • On the next day, check with the moving company if your claim was reported. Report immediately if you find other damages.

Among the actions which can limit the moving company's liability, we number:

  • Packing your perishable items and hazardous materials without your mover's knowledge.
  • Any items not packed by the moving company.
  • Choosing Released Value Coverage.
  • Not being able to inform the moving company in writing about the items valued at more than $100 per pound.
  • Signing a contract that discharges or releases the moving company from any kind of liability.
  • Failing to submit or issue a written claim within nine months.

The following are some basic things you need to know if you are moving overseas:

  • Protect what you value most. That’s why you need to make sure your high value items (such as fine art, collectibles, and antiques) are properly evaluated, appraised, and insured for their full value. You can file for a claim to get the maximum benefits and proper reimbursement for your lost or damaged items, but your ownership and the value of the items must be proven first.
  • The Household Goods Inventory is referred to as the packing or the inventory list. Its purpose is to document the actual shape of the items at origin and the missing or damage items at the destination point. The mover places a sticker with a number on every item and describes its condition by writing it in the Household Goods Descriptive Inventory form before he takes possession of the shipment.
  • You will need to sign the Household Goods Descriptive Inventory again when the shipment is delivered at its destination. Any loss or damage to your items happening during the move must be noted in the inventory at this time. Claims may not be considered if you failed to do so.
  • The coverage amount for your damaged property, especially for those of high value will not be greater than their original value. You will never get more than the quoted figure on the insurance policy, so do not over-insure.

On the other hand, it is also wise not to under-insure your property, because if it is under-valued, any claims will be treated as average or the insurance company may recognize you only as a co-underwriter.

  • Your mover will not be liable for any damage to your property if you decide to pack your household shipment by yourself for international moving. Insurance policies for overseas shipments do not include coverage for shipments that are not professionally packed. Remember, sensitive and fragile articles may only be covered if they are packed by movers.
  • The moving company should give you a copy of the certificate of insurance. Use it to immediately report to the insurance company any damage or loss to your shipment.
  • Before you file any claims, make sure to unpack and inspect every one of your items. Keep all the broken items for inspection and investigation purposes. These will be conducted by the insurance claims adjuster. Be sure to check the inventory for the assigned number of each broken item and the box where these items were packed.
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Joe Webster began his journey in the auto transport field by attending the University of Southern California (USC), where he graduated with a Bachelor of Business Marketing. 

After college, he started his career in the auto transport industry from the bottom up and has done virtually every job there is to do at A-1 Auto Transport, including but not limited to: Truck Driver, Dispatch, Sales, PR, Bookkeeping, Transport Planner, Transport Manager, International Transport Manager, Brokering, Customer Service, and Marketing. Working with his mentor Tony Taylor, Joe Webster has learned the ins and outs of this industry which is largely misunderstood. 

With over 30 years experience in the industry, we've been helping people ship their vehicles, motorcycles, RV's, heavy equipment, household goods and more across the country or overseas without a hitch. Ask us anything.

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Mylene Rutllant
It’s my number one pick in auto shipping to this day.

Due to the nature of my work, I must relocate every couple of years to where my company needs me. Because of this, I’ve tested several moving and auto transport companies over the years.

And my choice in terms of auto transport has to be A1 Auto Transport. It’s in the name, but also in the quality with which they do their jobs. I’ve never had a problem with this company.

The only time my shipment was delayed was during winter when a snowstorm closed down all the major roads. And they still found an alternative and got my car delivered before roads got unstuck.

When I moved to West Virginia, they picked up my car the very day I called them. I like to think they take special care of me considering all the business I’ve sent them. I’ll continue to support A1 Auto Transport. It’s my number one pick in auto shipping to this day.

Luis Rodriguez
You have my full support and recommendation!

I considered selling my car when I moved to Washington. It was old and rusty, but I grew attached to it. So, I called a couple companies to transport it to my new home, but they both fell through.

The first one couldn’t decide on a schedule. He would constantly change the pickup date till I got frustrated and canceled. The second was insufferable, very rude on the phone, even worse in person.

They started picking a part my car asking me why I still have it. If that’s their opinion of my vehicle, how can I trust they’ll take care of it? If something happened midway, why wouldn’t they just blame it on the car instead of paying up?

So, I cancelled this company as well and turned to A1 Auto Transport. From the get go, they were very different from my past options. Their website was very professional and up to date, full of useful information. I requested a quote using their online form, and I got an email response within an hour. Surprisingly fast!

If I didn’t know any better, I would’ve thought they were lacking customers, but the email spoke for itself. In just one email, everything I needed to know was there, including a contact number I could use to get more information or confirm the transport.

I called and got things rolling. I was very pleased with the driver. He followed standard procedure and represented his company well. Can’t remember his name, but props to him!

The car arrived in Washington 6 days later in excellent condition. From what I understand, the transport was delayed a bit by a storm, but since the time window was 4-6 days from the beginning, I don’t really care. You have my full support and recommendation!

Testimonial by Cristine Benoit
Cristine Benoit
I can safely say this is a legit company that will get the job done.

There are a lot of options for auto transport these days, which surprisingly makes it harder to find a good company. I received more than 10 offers to ship my car, but I couldn’t decide on any of them.

After doing some research, I got even more worried reading about all the scams and accidents that can happen. But, I have work to do and couldn’t afford to drive my newly purchased Mini Cooper all the way to Virginia.

Fortunately, I made the right choice with A1 Auto Transport. They are very good at their jobs. I spent more than an hour drilling Joe with various questions, and he never once lost his patience. He saw I was interested, so he bore with me until I was satisfied. The driver was also very courteous and my car was intact on arrival. I couldn’t have asked for more.

By the way, the price we first agreed on stayed the same. There were no delays or unexpected “surprises.” I can safely say this is a legit company that will get the job done.

David Osallo
We give A1 Auto Transport a big 10 out of 10!

We give A1 Auto Transport a big 10 out of 10! We chose them to move our car from California to Vermont, since we needed professionals.

We were abroad during the transport, so the transport was a bit tricky. The driver had to pick it up from storage on short notice and get it to its destination within at most 10 days. I was happy to note it arrived sooner. We got it 3 days early, right when we got home to pick it up. It made getting around way easier. Awesome service!

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A-1 Auto Transport is a disclosed agent for the following shipping companies:

Trans Global Auto Logistics, Inc.
3401 E Randol Mill Rd
Arlington, TX 76011
NO. 018191NF
CFR Rinkens
15501 Texaco Avenue
Paramount, CA 90723
NO. 013055NF
ABC Worldwide LLC
2840 NW 2nd Ave #105
Boca Raton, FL 33431
NO. 025472F
CSI Logistics
435 Division Street
Elizabeth, NJ 07201
FMC 22206
Intl Cargo
45 Campus drive
Edison, NJ 08837
NO. 17858N
ShipYourCarNow LLC
1160 South Rogers Circle Suite 1
Boca Raton, FL 33487
NO. 025646
Merco Air & Ocean Cargo, Inc.
6 Fir Way
Cooper City, FL 33026
NO. 021869F
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