How to Insure Goods You Move Yourself

Renting a truck and moving your goods yourself is a great way to save money. But don't skimp on the insurance! Here are some ways to make sure your property is adequately documented and covered in transit.

Things You'll Need

  • Insurance
  • Spiral Notebooks
  • Camcorders
  • Cameras
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Instructions

    • 1

      Seriously consider buying insurance from the truck rental company.

    • 2

      Talk to the truck company's customer service representative about insurance offered by the company. Ask about damage/waiver protection, cargo protection and medical/life protection and what is covered and not covered under each plan. (See Tips, below.)

    • 3

      Make an inventory list of the items you are moving, and take photographs of antiques before they get packed.

    • 4

      Document your possessions on videotape before you move.

    • 5

      Have antiques and other valuable items appraised before the move.

    • 6

      Document any damage that occurs in transit, both in written and photographic form, and submit a claim with the rental company.

Tips & Warnings

  • Damage/waiver protection generally frees you of responsibility for accidental collision damage to rental equipment.

  • Cargo protection generally covers damage to your cargo resulting from collision, fire and upset or overturn of the rental truck/trailer within certain specified limits.

  • Medical/life protection generally provides you with medical and life coverage as a result of an accident, 24 hours a day during the term of your rental.

  • You are liable for any damage to the rental vehicle if you do not have insurance.

  • Your personal auto insurance policy probably does not cover damage to rental trucks.

  • No credit card companies will insure rental trucks or trailers.

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Comments

  • wm038 May 13, 2010
    Love the project!

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