You can get insurance for your home decor items when you move.

There is a slim chance of things going wrong, whether you hire a NYC moving firm or do it yourself. It’s the law of probabilities, and it applies to everything.

Moving is not a new thing. Items can get damaged. Theft or loss of items is also not uncommon.

It is not necessary to tell you that moving can be a complicated process. Some items are bound to be damaged in transit or during handling. You don’t want your most prized possessions to be damaged by these mishaps.

Art and antiques, for example, are valuable and require extra care when being moved. Over the years, you have likely invested a great deal of money in acquiring and collecting these items.

Wine glasses, for example, are not fragile and can be easily replaced. Paintings, artworks, antiques, and sculptures will be difficult to replace.

Why moving insurance is important when moving home décor items

You don’t want to take a chance with expensive decor pieces if you haven’t purchased moving insurance. Ask yourself what you would do if your art were lost during transit. Or torn on the stairs.

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Important Things to Keep in Mind

It is important to leave the packing of home decor to the movers. We’ll explain why.

These professionals are experts at packing delicate items such as art and paintings. Budget constraints may prevent you from opting for a full-service move. Instead, leave the items that are of particular concern to the moving company.

The items will be better packed, which reduces the risk of damage in transit. However, most people don’t realize that only the moving company can provide insurance for the items.

This means that if your antique collection is damaged by the moving truck, you are not liable for compensation.

If you have to pack, make sure that everything is packed and leave the delicate decor items with the movers.

Talking about insurance

Coverage Types

Moving insurance is usually available in three different forms. Before choosing the most affordable option, it is important to know what each type of insurance covers and how you will be held responsible in each case.

This is a minimum amount of protection required by law and is offered by every moving company. It is the minimum protection that is required by law, and all moving companies provide it as a default. This means that you don’t have to pay anything extra for this protection – it is included in the price.

Released value coverage, however, is almost useless for high-value items such as decor.

Full-value protection is the second coverage option offered by movers. It is an upgrade to the basic coverage, and you will have to pay a premium upfront if you choose this option.

Unfortunately, the full value protection doesn’t cover items of extraordinary value, such as couture clothes or, more specifically, for our article, art, antiques, and other valuable decor items.

Third-party cover is the only way to ensure that these fragile items are covered.

The mover does not offer third-party insurance directly. It is instead obtained from insurance companies, either directly or through your moving company.

Due diligence is required for

Make sure you do your research to find the best insurance for the items that you wish to insure.

There are many policies available, such as fine-art insurance that covers (you guessed right!) Your fine art collection.

We cannot stress enough how important it is to read the fine print before you sign on the dotted lines.

It would be best if you did not doubt the legality of your moving insurance. You know that word-of-mouth is not the same as a legally binding document.

All policies are not created equal. For example, some art policies will not cover restoration. If, for example, red wine spills on a painting, and you are responsible for the costs of repair (let’s use wine as an example again), then the price will fall on your shoulders.

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