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What You Should Know About Moving Insurance

by Samia S. Morgan

Once you have purchased your new home, the next step of the journey is the actual move. Even if you are just moving cross-town or moving cross-country, hiring the best moving company is vital. Price, time, and of course quality are major considerations. You want to find a reputable company who will not only give you a fair price, but also take great care of your belongings.

However the reality is that accidents can happen, even with the best of companies. Moving insurance is something to be considered to protect your belongings.

Many moving companies will provide "valuation" not insurance. Valuation is the predetermined limit of liability on your moving contract or official inventory sheet.  This is automatically part of the contract with no extra cost. In most cases, valuation is based on weight, not actual property value.

Below is more information on valuation:

  1. Declared value: The value of your possessions is based on the total weight of the shipment multiplied by a specific amount per pound. For example, if the specific amount is $1.50 per pound, and your household goods weigh 15 000 pounds, the mover would be liable for a maximum of $22,500.
  2. Lump sum value or Assessed Value: If your household goods do not weigh much, but are valuable, you can purchase insurance for a specific amount per $1,000 of value. This must be declared in writing in your contract, inventory paperwork o bill of lading.
  3. Full value protection: This type of valuation most closely resembles actual insurance, and it includes lost, damaged or destroyed property. Just as with an insurance policy, the coverage will pay for the repair or replacement and deductibles will apply.

In the event that your property is lost or damaged, you should report the problem as soon as possible. Most companies have a window during which you can file a claim against the delivery – anywhere from three to nine months. Just as you do when you rent a car or lease a property, you should go over the inventory sheet quickly and get the mover to acknowledge receipt of your claim.

It is a good idea to also check with your insurance company or agent to see if your current homeowner’s policy covers all or part of a move. Additionally, you might choose to purchase a supplemental insurance, sometimes called ‘Goods in Transit” policy directly from your homeowner’s agent. Your agent or company representative can help you find the coverage that is best for you and your family.

Share your experiences on this type of insurance, has anyone had thier items damaged during a move?

 

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Packing and Moving Tips

by Samia S. Morgan

Once you have purchased a new home there are many things to be done. First and foremost is packing and making the actual move. While most new homeowners are not looking forward to this process, you can make the chore less stressful if you are organized and make a plan.

 Below are a few tips to get you started.

 

  • Having a plan as well as budgeting for moving expenses before the move will be vital to having a smooth move. You will need to make decision such as: Will you be moving yourself or will you require the assistance of a moving company? If you are planning to use a moving company it’s a good idea to price this out ahead of time by using a moving calculator.
  • Make sure you stock up on the following packing supplies: strong packing boxes (more than you think you will need), markers and tags to label boxes, rolls of packing tape, bubble wrap for fragile items, packing paper, scissors and a knife for opening boxes.
  • Pack room-to-room keeping similar items together.
  • Use towels, linens and curtains to line the bottom and sides of boxes with fragile items. All fragile items should be individually wrapped. Clearly mark these boxes FRAGILE.
  • Create a color coded system. Use colorful tags to identify the contents of the box and which room it will be taken to in your new home.
  • Pack any rugs last so that they will be the first thing unpacked and placed in the home.
  • Be sure to pack a box with all the essentials and mark it “Open Me First”. This box may contain items such as: a few basic tools (flashlight, pocket knife, masking tape, light bulbs), bathroom essentials (toilet paper, soap, shampoo, toothbrushes & paste, hand towel), Kitchen items (paper towels, coffee maker & filter, paper plates, cups, utensils, pet food, trash bags). 

Having a plan will help to make your move successful and smooth. Check out additional tips for your move here.

 

Relocation and Home Buying

by Samia S. Morgan

Every year thousands of homeowners relocate to another city or state for new jobs, educational opportunities or other reasons both personal and professional. If you are planning to relocate, planning ahead is your best stategy for a less stressful and successful move. 

Purchasing a new home in an unfamiliar area can be difficult and you don't want to make a home buying mistake or buy in the wrong neighborhood. Below are a few tips to help you make the right decisions.

Start your research online by searching for information on the city, coupled with information or housing. Check out the websites of the local Chamber of Commerce, the major newspaper for the city, the local police department's Web site to check crime stats.

Locate a real estate agent in the area. Agents can be a wealth of information and can help you with your search. Many agents tend to specialize in neighborhoods and can assist you.

Work on a moving budget. Relocating to a new city can be expensive, the further you have to move the more it will cost. Start your research by investigating different moving companies and how they charge for their services. Check out this website, that will help to give you quotes for moving based on different specifications.

Moving With Pets

by Samia S. Morgan

Moving to a new home can be a stressful time for people so when it comes time to pack up your pet, you need to take their needs into consideration. All pets require special attention and it is a good ideal to make a plan ahead of time to make the move for your pet a smooth transition and less stressful.

Pre-planning is the key to an easier move, travel arrangements should be completed as far in advance of moving day as is practical, keeping departure day tasks to a minimum. It is a good idea to appoint one person in the family that will be in charge of the pet. This will eliminate any confusion as to who has responsibility and will help for a smoother move. Below are some tips that can help you to get organized and make your move a calm transition for your furry members of your family.

  • Schedule an appointment with your veterinarian a few weeks before your move for a check up. Be sure to attain your pet's veterinary records so that they can be forwarded to your new veterinarian. Certain localities may have stringent requirements or restrictions regarding pet ownership. You may need permits or registrations.
  • When you arrive at your new home, designate a unused room with a door that is quiet and just for them. Provide them with fresh food and water and their bed or favorite toy, something that is familiar to them. This will keep them safe and calm while the move is going on. 
  • If you are moving your pets by car be sure to plan for several stops along the way. Pets may find car travel extremely distressing and stopping for fresh air and breaks can help. Don't forget any medications your pet might need as well as a leash.
  • If you are traveling long distance and plan on staying overnight at a hotel, be sure to call in advance to make sure that pets are accepted.
  • If you are moving your fish, be sure to check with your local Aquarium or Pet Store ahead of time on the best way to safely transport your fish.

 
If your pets are not micro-chipped be sure to get a new pet ID tag with your new address and contact phone numbers and if they are micro-chipped be sure to update the info with your
microchip company.   
 

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Photo of Samia S. Morgan, Inc. Real Estate
Samia S. Morgan, Inc.
dba Samia Realty Group
BRE# 00967165
San Mateo CA 94403
650-678-3633