When planning a move, one of the biggest concerns for homeowners is the safety of their belongings. Whether you’re moving across town or to a new state, it’s natural to wonder: What happens if something gets damaged during the move?
At Cross Town Movers of Eugene, Oregon, we prioritize safe and secure moving services, but we also understand that accidents can happen. That’s why we offer insurance and damage protection options to give our customers peace of mind.
In this article, we’ll break down how moving insurance works, what coverage options are available, and what you need to know to ensure your items are protected during your move.
? How Moving Insurance Works with Professional Movers
Before hiring a moving company, it’s essential to understand how insurance and liability coverage work in the moving industry. Moving insurance is not the same as homeowners or renters’ insurance—it’s a specific type of coverage designed to protect your possessions during transport.
By law, all licensed moving companies must provide a basic level of liability coverage. However, this coverage may not always be sufficient depending on the value of your items. That’s why understanding your options is critical before moving day.
? What Insurance Does Cross Town Movers Offer?
At Cross Town Movers, we are fully licensed and insured, meaning we comply with all federal and state regulations to ensure your belongings are protected. Here are the three primary types of coverage available when hiring professional movers:
1️⃣ Released Value Protection (Basic Coverage – No Cost)
✔ What it covers: This is the minimum liability coverage required by law.
✔ Compensation rate: Covers $0.60 per pound per item—meaning if a 50-pound item is damaged, the maximum reimbursement is $30.
✔ Who should choose this? Best for customers moving inexpensive or replaceable items.
? Important note: This coverage is free but offers limited protection. If you are moving high-value items, you may want to consider additional coverage.
2️⃣ Full-Value Protection (Upgraded Coverage – Additional Cost)
✔ What it covers: Provides replacement, repair, or reimbursement for damaged or lost items.
✔ Compensation rate: Covers the full replacement value of an item, rather than just the weight.
✔ Who should choose this? Recommended for customers moving valuable or irreplaceable items.
? Important note: Customers choosing this plan must declare the value of their belongings before the move.
3️⃣ Third-Party Moving Insurance (Optional)
✔ What it covers: Additional coverage purchased through an independent insurance provider.
✔ Who should choose this? Customers who want extra peace of mind beyond what moving companies offer.
✔ How to purchase: Check with your homeowner’s insurance to see if moving is covered or research third-party insurance options.
? Important note: If you’re moving antiques, expensive electronics, artwork, or other specialty items, third-party insurance might be the best option.
?️ Can I Get Additional Coverage for Specific Items?
Yes! If you have high-value items (such as fine art, jewelry, musical instruments, or collectibles), you can purchase additional valuation coverage. This means you will need to:
✔ Declare which items need additional coverage before the move.
✔ Provide an estimated value for these items.
✔ Discuss customized protection options with our moving consultants.
? Pro Tip: Take photos and make an inventory of high-value items before the move for your records.
? What Should I Do If Something Gets Damaged During My Move?
Even with the most careful professional movers, accidents can happen. If you notice damage or missing items, follow these steps:
1️⃣ Inspect Your Items Immediately – Check your belongings as soon as they arrive at your new home.
2️⃣ Document the Damage – Take photos and videos of damaged items for proof.
3️⃣ File a Claim Quickly – Contact Cross Town Movers as soon as possible to begin the claims process.
4️⃣ Check Your Moving Contract – Review your insurance selection and compensation details.
Our team is committed to helping you resolve issues quickly and ensuring a smooth moving experience.
? Frequently Asked Questions
❓ Is Cross Town Movers fully insured?
Yes! We carry all federally required moving insurance, including liability protection, property damage coverage, and cargo loss coverage.
❓ Do I have to buy moving insurance?
No, but it’s highly recommended, especially if you’re moving valuable or fragile items. Basic coverage only reimburses a small amount based on weight.
❓ Can I use my homeowners or renters’ insurance instead?
Sometimes. Some homeowners and renters policies cover moving-related damages—check with your insurance provider to confirm.
❓ How do I know which insurance option is best for me?
Consider:
✔ The value of your belongings – If moving expensive furniture or electronics, Full-Value Protection is recommended.
✔ Your budget – Basic coverage is free, but additional protection costs extra.
✔ Your risk tolerance – If peace of mind is your priority, third-party insurance is a great option.
❓ What should I do if an item is lost or damaged?
✔ Notify our team immediately after delivery.
✔ Document the damage with photos.
✔ File a claim based on your insurance plan.
? Call Cross Town Movers for Safe & Reliable Moving Services!
At Cross Town Movers, we take the safety of your belongings seriously. Our professional moving teams are trained to handle all types of moves, and we offer customizable insurance options to give you peace of mind.
? Why Choose Cross Town Movers?
✅ Fully Licensed & Insured – Protecting your belongings with comprehensive moving coverage.
✅ Trained & Experienced Movers – Background-checked and highly trained for safe & efficient moves.
✅ Flexible Moving Insurance Options – Choose the level of coverage that fits your needs.
✅ Local & Long-Distance Moving Experts – Serving Eugene, Springfield, and surrounding areas.
? Call (541) 683-5211 today for a free moving quote!
? Check our website to learn more about our services and book your move!
? Cross Town Movers – Your Trusted Moving Experts in Eugene, Oregon! ?