Moving Insurance Coverage – Local Moving

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It is important that you understand the policies and limits of liability that your moving company provides to you for local moving services. As a professional moving company we believe in full disclosure. Please review the following and also check what coverage you may already have through your homeowners insurance policy.

The customer or their representative must be present during the local move and final “walk-through.” Our time runs continuously until all tools and equipment are back in the truck and payment is completed. You must pay in full at completion of your local move. Unless payment is made in full as is due we are not required to answer or process a claim. Do not assume you may deduct the money from the final bill to compensate yourself in the event of damage. Liability for lost or damaged items is limited to $.60 per pound per article unless additional insurance has been purchased by the customer. The right is reserved by us to repair or replace any damaged item(s).

Our clients can also purchase additional coverage for their local or storage move as follows:


Local Market Value or Depreciated Value Coverage

For this coverage, the market value of the damaged or lost item is used. It can sometimes be very difficult to properly assess the correct market value, whether from the viewpoint of the moving company or the consumer. This is not “Replacement Value” – it is the value of the actual item as it is today – whether it is in worn out condition or almost new condition. This type of coverage is based on a minimum declared value of $10.00 per pound, subject to a $50,000 minimum, with a $100.00 deductible. This protection is limited only by the amount of valuation you select so it is important that you establish a realistic replacement value of all of your possessions. The only requirement is that your shipment be protected to a minimum of $10.00 per pound multiplied by the actual weight (or estimated weight on local moves) of your household goods.


Storage Market Value or Depreciated Value Coverage

For this coverage, the market value of the damaged or lost item is used. It can sometimes be very difficult to properly assess the correct market value, whether from the viewpoint of the moving company or the consumer. This is not “Replacement Value” – it is the value of the actual item as it is today – whether it is in worn out condition or almost new condition. This type of coverage is available at $25.00 premium per month, up to a maximum of $50,000.00 coverage with a $100.00 deductible. This type of coverage is based on a minimum declared value of $10.00 per pound, subject to a $50,000 minimum, with a $100.00 deductible. This protection is limited only by the amount of valuation you select so it is important that you establish a realistic replacement value of all of your possessions. The only requirement is that your shipment be protected to a minimum of $10.00 per pound multiplied by the actual weight (or estimated weight on local moves) of your household goods.

Please note coverage must have been in place for the transportation portion of your move. If this was not the case than storage coverage is not available.

Note: Coverage must be for Transportation and Storage

Your Moving Consultant will explain the cost and benefits of each of the above options in detail to ensure you make the right decision when it comes to move protection coverage on your move.


Extraordinary Value

Any items of extraordinary value (over $5,000.00) must be declared. This could be an article such as a sculpture, painting, or antique piece of furniture, etc. that is worth a great deal of money. Even though you have purchased cargo protection there is still a limit (or ceiling) as to how much the mover would be required to compensate you, should damage or loss occur. You may even wish to have the piece wrapped and crated to insure as much physical protection as possible. If you think the value of the piece goes beyond what the mover can offer you in terms of protection you may wish to consult your own insurance company for extra coverage. Please call us if you require further clarification.

We Serve all of Vancouver Island

Moving with Care Everywhere since 1948!

Minute Men Moving & Storage

1890 East Wellington Road
Nanaimo, BC
V9S 5X7

250-754-7557
1-888-708-7700

Minute Men Moving & Storage

2-2913 Allenby Road,
Duncan, BC
V9L 6W2

250-746-5103

Get in Touch

Nanaimo Phone:
250-754-7557

Parksville/Qualicum Phone:
250-248-4462

Duncan Phone:
250-746-5103

Email: info@minute-men.com

Head Office:
Toll Free: 1-888-708-7700
Head Office: 250-754-7557
Fax: 250-754-5475

Our Office

1890 East Wellington Road
Nanaimo, BC
V9S 1H1