Insurance

Homeowners or Renters Insurance

Seldom, if ever, will a homeowner or renter insurance policy cover your household goods while in transit.

If a homeowner policy does provide coverage, it may be very limited and may not cover all the types of damage that may occur to household goods during a move.

Contact your insurance agent and inquire what coverage your homowner or renter policy offers, if any, to your household goods during a move.  Be sure to get it in writing and read the fine print.

Moving Insurance

Actual Cash Value Coverage

Under Actual Cash Value coverage Father & Son Moving & Storage agrees to repair, replace or pay for any household item lost or damaged during transportation or while in storage according to a value pre-declared before the move begins.

The value is determined by purchase price less depreciation for normal usage.  The minimum amount that can be covered is $500 in total declared value.

This coverage is provided by Father & Son Moving & Storage for an additional fee.

In the event you declare a value that is less than the actual cash value of the item at the time shipment is loaded, this will be considered "under-valuation" and you will only be covered at rate proportionate to the deficiency of valuation declared.

Basic Liability Coverage

Basic Liability is the minimum coverage under which your goods can be released and is provided by Father & Son Moving & Storage at no additional cost.

The maximum liability for your goods is limited to $0.60 per pound per article.  On other words, the amount of compensation is established by multiplying the weight of the itempm by $0.60

• For example: for the total loss of a dresser weighing 150 lbs you will be compensated $90.00 (150 x $0.60).

Full Replacement Value Insurance

This type of insurance should cover you for the full true replacement value of your goods.

Father & Son Moving & Storage recommends purchasing Full Replacement Value Insurance from a company specializing in moving insurance and we have found ___ to be the best.