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Limited Liability: This is the basic coverage required by federal law, and it doesn't cost you anything. The moving company is responsible for reimbursing you for 60 cents per pound per item damaged during an interstate move.
Added Valuation: Should damage occur, this coverage allows you to be reimbursed based on the current replacement value of the damaged items, minus depreciation. The cost depends on how much you declare your belongings to be worth.with the basics. Whether you're moving across town or across the country, ask yourself how much moving help you can afford.
"Determine your budget," said Kerri Hart, senior marketing specialist for Atlas Van Lines. "Knowing how much you can afford to spend will help you set your expectations for moving and what services to purchase." In other words, do you want to move yourself or hire a moving company?
Hart admitted that if you do it on your own, you might save a little money. "However," she added, "this savings may be negligible if you are moving a long distance."
Jennifer DuBois, director of Moving.com, a website that offers advice to movers, recommended several other questions you should ask yourself when deciding between doing things on your own or paying for help.
"Do you want the mover to pack everything in addition to performing the actual move, or can you do the prep work yourself?" she suggested. "How much time do you have to plan the move? How many items do you have to move, and do you have a lot of bulky or large items?"
If you don't have a lot of time to pack yourself, either because of your schedule or because of the sheer volume of things you need to take with you, hiring a mover makes sense. If you're not moving far or you don't have a lot of belongings, you're what Hart calls the "hands-on type." Doing it all on your own shouldn't be a problem.
And while this may sound self-evident, no matter what distance you'll travel, "it will still require that you move all of your belongings," Hart said. What this means is that many of the tasks you need to do before a move -- canceling your utilities at the old address, getting them turned on at the new address, securing a proper carrier in which to transport your pets, deciding what and what not to pack and getting everything into boxes -- must be done no matter what you choose.
Another factor to consider is whether you're making the move because of work. Employers will sometimes pay for some moving costs.
"Almost every company has its own relocation policy," Hart explained. "Sometimes, companies make allowances for certain individuals or circumstances. In recent years, the 'lump sum' move has grown in popularity with many major companies. Employees receive a set amount with which to hire a moving company. If they exceed it, they pay the difference. If they pay less, they keep it."
DuBois added that many companies also p
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If your company provides limited or no reimbursement for moving costs, keep track of all your expenses. You can write them off come tax time.
If you opt for hiring a moving company, Hart advised that you ask for references. "Talk to other customers and find out how satisfied they are," she suggested.
In addition, DuBois recommended that you read over the contract very carefully. She said that you should never pay a large, upfront deposit, and she suggested that you get at least three estimates f
Full Value: This is the most expensive option, because it covers the actual cost of repair or replacement of a damaged item. If you're considering this level of coverage, DuBois recommended first checking your homeowner's insurance policy to see if it will cover your belongings during a move. If you're not already covered for a move, ask the company you have your policy with how much it would charge to insure you during a move. Compare that to what your moving company is offering.
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Whether you decide to pay a mover or rent your own moving truck, the next steps are pretty much the same. First, take inventory of your belongings for two reasons: One, you want to know exactly what you have when you leave so you can be sure everything is there when you arrive. If possible, take photos of the place you're moving to so you can plan furniture placement in advance. This will save time and confusion when the movers begin to unload the truck.
As you take your inventory, include only what you need to move. "A move is the ideal time for spring cleaning," DuBois explained. "Go through all of your belongings and donate, sell or recycle items that you no longer need. The less you move, the less you have to pack, and the easier your moving day will be."
Even if you hire a mover, cut down on costs by packing your own boxes rather than letting the moving company do it. According to Hart, the introduction of moving containers to the marketplace has made it even easier for families to do their own packing. Doing this part of the move yourself can save you money both in the short-term -- you'll pay the moving company less for their services -- but also in the long run. If you take the time to set aside your valuable and fragile items, either moving those on your own or waiting to hand them over to the movers until the day of the move, you'll avoid losing them or having them damaged.
If you do any part of your move on your own, remember you have access to a secret weapon that many people use during a move: friends. Whether it's asking them to help you pack, unpack
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