moving company in Sherman Oaks

Can You Use Homeowners Insurance When Using Moving Company in Sherman Oaks?

If you’re planning to move to, within, or out of Sherman Oaks, you may need to use the services of a moving company. But you may wonder what kind of protection would you need when hiring a moving company in Sherman Oaks. Will a standard homeowners insurance cover your move? In most cases, unfortunately, homeowners insurance won’t provide coverage for moving. 

What if a Moving Company in Sherman Oaks Damages Your Property? 

A moving company may likely damage your stuff while moving it from your old residence to the truck or from the truck to your new house. For that reason, you must buy a certain coverage when you use a moving company to help you move. However, there are certain circumstances when your homeowner’s insurance can cover the damages. When you read your policy, you may see something like a loss of use. It doesn’t cover moving, though. However, this coverage will protect you if your house suffers damage to the point that it becomes unlivable. If this is the case, you can seek temporary residence and the loss of use coverage would pay for the fees related to the use of the temporary shelter. This coverage would also give you reimbursement for storage units to house your belongings temporarily. The main purpose of loss of use coverage is to preserve your property from further damage while you wait for home repairs to complete. Now, if you’re moving to a new city or state, you may not be able to use the loss of use coverage. Instead, you may opt to buy a certain coverage being offered by the moving company. A reputable moving company, like Elite Moving and Storage, has its insurance coverage. The coverage will provide reimbursement in case the moving company damages your house when the movers move your belongings to or from the truck. The coverage will also cover the home repair costs after the movers damage your property while handing your stuff. But to get coverage, the damage would have been the fault of the moving company and it has to be inevitable. Thus, if the movers dropped your computer because of your unsteady staircase, you couldn’t file a claim. 

Will the Insurance of the Moving Company Give You Full Refund? 

The insurance of professional movers won’t pay you for the full replacement value of your stuff if they are damaged. Movers can refund you a certain amount for the destroyed item. For this reason, it’s vital that you only choose a reputable moving company with experienced movers. In this way, you can be sure that the movers will handle your things carefully. However, you may still want to use a special moving insurance policy. This policy will protect your stuff in the process of the move. It includes loading and unloading your things and while they are being moved to your new residence. You can get full replacement coverage depending on the option you choose. 

To know what kind of coverage a moving company in Sherman Oaks offers, please contact: (888) 693-9080.