What is Full-Value Replacement Moving Protection?

Deductibles: How They Affect Your Moving Protection

When selecting Full-Value Protection, you’ll typically have options for different deductible amounts. A deductible is the amount you’ll pay out-of-pocket before your moving protection kicks in. Higher deductibles generally result in lower upfront costs for the protection plan, while lower deductibles mean higher initial costs but less out-of-pocket expense if you need to file a claim. Consider your budget and risk tolerance when choosing a deductible. For high-value shipments, a lower deductible might provide greater peace of mind, while those with fewer valuable items might opt for a higher deductible to save on costs.

Professional Packing Services: An Added Layer of Protection

One often overlooked aspect of moving protection is the value of professional packing services. When your items are packed by professional movers like BMS Moving & Storage, they’re typically covered under your valuation protection plan. Items you pack yourself, however, may have limited or no coverage unless there’s visible damage to the container. Professional packers are trained in proper techniques and use appropriate materials to minimize damage risk. The cost of professional packing services may be worth the investment for fragile, valuable, or sentimental items that would be difficult or expensive to replace.

Understanding Liability Limits for Specialty Items

Some items have specific liability limitations, even under Full-Value Protection plans. These often include currency, important documents, jewelry, fine art, antiques, and collections. Most moving companies, including BMS Moving & Storage, recommend transporting these high-value, small items personally rather than including them in your shipment. For larger specialty items like pianos, pool tables, or gym equipment, discuss specific protection options with your moving consultant, as these may require additional coverage or specialized handling.

International Moving Protection: What You Need to Know

If you’re planning an international move, protection options become more complex. International shipments often involve multiple carriers and may require different types of valuation coverage or insurance. BMS Moving & Storage’s international moving services include guidance on the appropriate protection options for overseas relocations. Be aware that protection for international moves may involve separate coverage for different legs of the journey, such as land transport to the port, ocean or air freight, and final delivery at the destination.

Storage-in-Transit Coverage Considerations

If your move includes temporary storage of your belongings (known as storage-in-transit), understand how your protection plan applies during this period. Some moving protection plans have time limitations for storage coverage or different terms for items in storage versus those in transit. BMS Moving & Storage offers secure storage facilities and can explain how your protection plan covers items during storage periods. For long-term storage needs, you may need to consider additional protection options specifically designed for items in storage.

Common Misconceptions About Moving Protection

Many customers have misconceptions about moving protection that can lead to disappointment if damage occurs. One common myth is that moving companies automatically cover the full replacement value of all items. In reality, without upgrading to Full-Value Protection, coverage is minimal. Another misconception is that homeowner’s insurance fully covers moves, while some policies offer limited coverage, most have significant exclusions for items in transit. Understanding these misconceptions helps you make informed decisions about the protection you need for your specific situation.

How to File a Claim: Step-by-Step Process

Despite the best precautions, damage sometimes occurs during moves. If you need to file a claim, follow these steps:

1. Document the damage with photographs
2. Note the damage on your delivery paperwork
3. Contact your moving company promptly
4. Complete any required claim forms
5. Provide requested documentation of value
6. Maintain damaged items until the claim is resolved, as the company may need to inspect them.

Expert Tips for Maximizing Your Moving Protection

To get the most from your moving protection plan:

1. Keep all moving paperwork organized and accessible
2. Take “before” photos of valuable items
3. Be present for both loading and delivery to oversee the handling of your belongings
4. Understand exactly what your protection plan covers
5. Ask about specific concerns regarding valuable or fragile items
6. Consider additional coverage for extraordinarily valuable possessions.

BMS Moving & Storage’s moving consultants can provide personalized advice based on your specific situation and the items you’re moving.

Why BMS Moving & Storage Recommends Full-Value Protection

As a trusted moving partner, BMS Moving & Storage has seen countless situations where proper protection saved customers from significant financial loss and stress. Our experienced team recommends Full-Value Protection for most moves, especially those involving household furnishings, electronics, and items of sentimental value. The peace of mind that comes with knowing your belongings are properly protected allows you to focus on the excitement of your new home rather than worrying about potential damage during transit.

Contact BMS Moving & Storage today at (877) 638-1265 for a free estimate and consultation on the best protection options for your upcoming move. Our professional team is ready to ensure your relocation is as secure and stress-free as possible.