We have all heard at least one horror story associated with a family member or a friend’s moving day. The movers either didn’t show up, items went missing or were damaged, or those insane hidden fees that moving companies like to charge midway through a service.
Crown Movers includes $50,000 of Full Replacement Value Cargo Insurance coverage in its rates for all “full-service” moves. This is not “valuated” insurance or a “protection plan” but rather real coverage directly through the moving insurance company.
If anything is lost or damaged, the moving company must offer to repair the item, reimburse, or replace it with an item of similar likeness and value. The company also carries a $2,000,000 liability policy to protect itself and its clients from personal injury or property damage.
As with any moving insurance coverage, there is a deductible on claims. We charge a $1000 deductible to initiate a claims process which helps the company to avoid frivolous claims such as the cost of repairing scratched paint on a wall or replacing a flimsy $10 wall mirror. Obviously, if the company allowed claims for such minor incidents, our insurance rates would rise, and we would not afford coverage for more important issues.
We may still offer to repair or reimburse for damages under $1000 at our discretion. In any case, we reserve the right to pay directly for any damage claim without claiming our moving insurance policy. Payment must be made for moving services rendered and payment of the deductible in full before any claims are processed.
As with all moving companies, certain items will not be insured or must be professionally packed or crated by an agent of the moving company to be insured against damage. Packing and/or crating services are handled by a separate crew at additional cost and usually require a site visit.
This must be arranged well in advance of moving day and is subject to our availability. The following are limitations on what will be covered by moving insurance and how things will be insured.
Crown Movers was founded under the principle that not only should our customers trust in us and our service, but they should also feel protected. All of your items will be wrapped and packed by our trained professionals. We offer all our clients limited liability insurance for no extra charge.
Your belongings will be protected and handled with extreme care. We know that accidents can happen. In the rare event that an item is damaged due to negligence, we will always cover the maximum of the limited liability insurance, which is $.60 per pound per item.
If there are valuables that you would like insured completely, our sales representative will assist you to get the best available option for your specific items and moving needs. We will have you covered no matter if it is being moved into your new home or storage.
For items packed by Crown Movers, we offer Packing Insurance at a 2.00% rate of your insurance need.
We offer Extra Care Protection with a $1000 deductible for items packed by the client. Meaning that we cannot be held responsible for items packed by you and only cover part of the damages if it exceeds 1000$. Your belongings are covered for the entire moving service.
On top of the standard movers limited liability insurance, we offer extra insurance that, should damage occur, you will be entitled to repair, replacement or reimbursement. This added insurance is 3.00% of the requested value of insurance.
For example, it will cost 150$+tax (3.00% of $5000 with a $1000 deductible), and for coverage of $5000. Crown Movers will be responsible for covering up to $4000.