What is movers insurance and why is it important

One of the biggest fears people have when moving to a new home is whether all of their belongings will survive the trip. They think it’s better to move their own furniture and belongings rather than trust a moving company with their possessions.

If you’re working with a reputable Maryland moving company, then that company should be prepared to protect your belongings with movers insurance. These companies know that accidents happen, and clients should have protection in case a box breaks or falls over on the drive.

So what is movers insurance? Here’s everything you need to know about movers insurance before your big move.


All Maryland moving companies offer their clients different types of insurance. These policies help protect any valuables that a person may have, and they give customers peace of mind as they’re moving.

Most moving companies will offer two types of protection. The first type is more basic, also called a limited liability. It will cover the customer for up to 30 cents per pound or $50 per article – whichever is cheaper. This type of coverage is great for smaller moves, especially for those college kids moving into dorm rooms. The coverage is limited, but college students usually don’t have anything too expensive that they don’t already carry with them (like a phone or laptop). In this case, the coverage works.

Limited liability insurance is okay, but full value insurance is even better. This type of insurance comes at a fixed rate such as $10 for every $1,000 of damage. This type of insurance will cover the actual cost of replace a damaged item.

If you’re unsure about movers insurance, speak with your home insurance policy agent first. You already be partially covered.


Before you hire a Maryland movers, it is vital that you do a little research before you sign any contracts. Not having movers insurance should be a dealbreaker for you so don’t sign on the dotted line before you’ve had a chance to investigate.

Most Maryland movers will tell you whether they’re insured or not on their website. Usually moving companies want to assure customers so they’re happy to point out that they’re insured right away. If you don’t see anything on a Maryland moving company’s website that indicates that it has insurance, red flags should definitely be going up.

Of course, not all companies disclose whether they have insured or not. If you don’t see anything about insurance on a company’s website, call them up and simply ask.

If you’re still feeling unsure, head to the company’s Yelp or Google+ page and see if anyone talks about moving insurance in his or her review. Who knows? A bad review of a company could save you money and a massive headache.

The best Maryland movers have movers insurance, and they’re not afraid to show it off. Before you hire movers, make sure they have insurance options. You’ll feel more relaxed during your move, and you’ll spend less time stressing and more time unpacking.

Share with us, what questions do you have above movers insurance?