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Items That Cannot Be Insured During Moving
Insurance cover is a must-have when moving regardless whether you are engaging the services of a moving company, or you are moving by yourself. The reason why insurance cover is necessary during the move is that you need to make sure that all your belongings are safe. Normally, some types of insurance – such as homeowner insurance – can offer protection to your property in the course of the move, as well as after the move. Nevertheless, not every item in your house is covered. It is important to talk to your moving company to have a clear understanding of what items are under your cover. Such prior clarification avoids you inconveniences later when some of your items get lost or are damaged but you cannot make any claims because you did not know that they were not insured.
Here are some of the items that cannot be insured when moving:
If you have any form of artwork in your possession, it is important to know that such an item does not fall under the items that will be covered by your moving insurance. The implication is that you should not expect compensation should anything happen to your piece of art. Do however; clarify with your insurance provider to be certain if there are any exemptions to your artwork.
Some people own unique items, which range from statutes to antiques. Most insurers do not offer a cover to such items when you are moving. Before you engage any moving company to carry your property, you need to be sure to what extent the insurance cover goes.
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Irreplaceable items describe any property that cannot be replaced in any manner, in their inherent form. Such items are not covered by the insurance in that it is impossible to restore the natural form in case of damage. In addition, it is hard to restore the monetary value of most items in this category.
Collectables are items that have considerable high value and much interest to the person collecting them. For example, your curio falls under this category as it is considered an unusual property. As such, you should notify your moving services provider of any type of collectable item that you have before you move, so that they can advise you accordingly.
If you have any souvenirs in your possession, you should know that they are not covered by any insurance when moving. Souvenirs are any items that you keep in remembrance of an event, a place, or even a person. Such items grow their value with history and hence, should anything happen perhaps damage or loss, their value fades.
Getting insurance policy for your items is a short-lived relief on the safety of your property. While the aforementioned items cannot be insured during moving, you should still talk to your moving company about them. Having been in the moving business for a while, they must know what other options are available to you.
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