The ins and outs of moving insurance
Do I need moving insurance?
在准备搬家时，你可能会雇佣搬家公司，打包和转移你的物品 homeowners or renters insurance to your new address. But what about getting moving insurance? Is moving insurance worth it?
大多数人都没有意识到，房主或房客的pp王者电子官网可能不包括你在运输过程中财产的损失或损坏. 因为搬家会让你的财产面临各种不可预见的灾难, 购买搬家pp王者电子官网可能有助于防止出现任何差错.
这是你需要知道的，以帮助保护你的行动.
Does my homeowners policy cover a move?
在搬家期间，房主政策可能不包括你的财产. 查看您的保单或与您的代理人谈谈，看看您的财产在运输或储存期间是否投保.
Where do I get insurance for moving?
Moving companies offer various insurance options其中两项是联邦法律规定的跨州运输. Here are a few types:
- Released value coverage (or basic carrier liability) - As the most basic coverage required by federal law, this liability coverage is free and based on weight, paying up to 60 cents per pound for an item. 但如果你价值500美元的一磅平板电脑在搬家过程中损坏了, well, 它几乎无法支付全部重置价值.
- 全价值保护(或全替代价值保护) - Also required by federal law, 这种pp王者电子官网必须购买，因为它支付了物品的当前市场重置价值, replacement with a similar item or the item's repair. If you opt for full value protection, 考虑获得搬家公司具体计划的细节，看看它是如何决定重置价值的, especially for items of extraordinary value, 并了解哪些行为可能会限制搬运工的责任.
- Separate liability insurance -有些搬家公司可能会提供这种可选的购买pp王者电子官网. Governed by state law, 单独责任pp王者电子官网支付购买的pp王者电子官网金额减去承运人支付的基本责任金额(最高每磅60美分). If you go this route, 确保你有一份pp王者电子官网单的副本，并了解你购买的pp王者电子官网金额和pp王者电子官网费用.
What if I do the move myself?
Most likely, 如果你用自己的车或租来的车运输你的财产，你的房主或汽车pp王者电子官网政策只提供有限的pp王者电子官网范围. 这意味着如果您使用自己的车辆搬家，您可能会承担风险. Truck rental companies, on the other hand, 可以提供pp王者电子官网，不仅保护租赁车辆, but also the driver, passengers and your cargo, depending on the type of coverage you choose.
What do I need to file a claim?
To file a claim of loss or damage, 您可能需要证明丢失或损坏的物品实际上是由搬运工移动的，事先没有损坏. A comprehensive inventory list ——其中应该包括珠宝、银器等价值非凡的物品， collectibles and digital devices — can help support your claim, 所以，在搬家公司运送你的财产之前，确保它是完整的. 拍摄前后的照片并及时提交索赔以方便报销也是明智的.
Any way you look at it, 搬家pp王者电子官网可以在非常紧张的时候提供一些保护. To learn more about protecting your next move, 访问联邦汽车运输安全管理局 Protect Your Move website. 随着搬家pp王者电子官网的方式，发现更多的技巧 be ready for move-in day.
