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Homeowners' & Renters' Insurance
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Alabama, Alaska, Arizona, Arkansas, California....
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Insurance
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Safeguard Your Belongings with Insurance When Moving…
Insurance personal items, belongings insurance, personal belongings insurance
You could be relocating within the same city or to a different city or
interstate, but there can be no promised guarantee regarding the safety
of your household goods. Anything can happen on the way—an accident, damage
caused by improper handling, natural disasters, and so on. It is therefore
to get insurance before the actual moving day. If you are lucky, you might
be reimbursed the total value of everything that has been lost, or at
least a part of it. Of course, inherited stuff that is associated with
beautiful memories can never be replaced, but you have to be prepared
for any eventuality.
The rules and regulations concerning insurance are put forth by the State
Insurance Department for that particular state. All the insurance companies
therefore, come under its horizon. Now, if you are going to be a one-man
army doing everything by yourself—packing, loading, transporting, and
unloading—then no insurance company would like to offer you any sort of
coverage. But if you take the aid of professional movers, your goods will
be insured readily.
Many individuals already have Homeowners
Insurance. But this policy only deals with stored items within
the house. It does not take care of movement of goods. Therefore, it would
be wise to get separate insurance for your household things when you are
shifting residence. There are certain policies that are meant just for
specific goods—this means that you need not insure each and every item;
you can opt for only those that you consider extremely valuable.
Coming to the varied policies that are on offer, they differ according
to the nature of your relocation. If you are moving from one state to
another, it is Interstate. If you are moving from one city to another
within the same state, you are traveling Intrastate.
(1) In case you wish to insure all your household goods, it would be
better to opt for the “full replacement value” policy. This is applicable
for Interstate relocation. There is an additional clause here—you have
to pay up a minimum charge of $4 to $5 of the actual shipment weight.
However, each company offers a different price where this policy is concerned.
(2) Another kind of policy is the “declared value protection”
insurance. This again consists of paying up additional charges. The policy
revolves round the depreciated value of an item. The entire shipment is
taken into consideration when calculating extra costs—it comes to $1,25 per
pound of the actual shipment weight.
(3) A third type of insurance is the “basic carrier liability”. There is
another name for it—“limited liability” or “required liability”. The company
is not bothered with the original cost of any item. A minimum coverage is
offered for the goods that are being transported. This works out to around
60 cents per pound per item, if you are going Interstate. In case your move
is Intrastate, then you have to shell out 30 cents per pound per item.
Unlike the other policies, you will not have to pay any additional charges.
Whatever insurance you go in for, it is imperative that you hand over an
inventory list of all your valuable possessions that need to be handled with
care. It will then be easy for the agent to suggest a suitable estimate to
cover the costs of these specific items. |
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Latest New Additions and Updates
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Harper & Associates Insurance Inc
2 S Florida Street,
Mobile, AL 36606
(251) 471-4100
(251) 471-5585 Fax
Products & Services
Personal & Commercial
Representing
Representing
Brands
American Liberty
GuideOne
Progressive
Zurich
Payment Options
Progressive
Hours of Operation
Mon-Fri Weekdays
Additional Information
Your Independent Agent, American Resources, North Pointe, For All of Your, Insurance Needs
In Business Since
1963
Contact name: Fax: Address: City:
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Dockery & Associates Agency Inc
6781 Taylor Circle,
Montgomery, AL 36117
http://www.nationwide.com/
(334) 277-6991
(334) 277-6993 Fax
Products & Services
Industrial Policies
Life Insurance
Additional Information
Who To Call
Brands
Nationwide
Certification & Affiliations
Registered
Contact name: Fax: Address: City:
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Lake Crest Homeowners Association
581 Lake Crest Drive,
Birmingham, AL 35226
(205) 987-9392
Products & Services
Ownership Organizations
Real Estatea
Contact name: Fax: Address: City:
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Oglesby & Associates Insurance
107 Arlington Drive, # N,
Madison, AL 35758
http://www.nationwide.com
(256) 464-7020
(256) 464-7055 Fax
Products & Services
24 HR Claims Service
An Equal Housing Opportunity Insurer
Auto
Business
Equal Housing Opportunity Insurer
Additional Information
All Agencies Independently Owned and Operated, Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide Life Insurance Company. Home Office: Columbus, Ohio 43215-2220., Nationwide
Certification & Affiliations
Equal Housing Opportunity Insurer
Brands
Auto
Nationwide
Nationwide Mutual Insurance Company and Affiliated Companies. Home Office: Columbus, Ohio 43215- 2220.
Nationwide, the Nationwide Framemark and On Your Side Are Federally Registered Service Marks of Nationwide Mutual Insurance Company.
Nationwide, the Nationwide Framework and On Your Side Are Federally Registered Service Marks of Nationwide Mutual Insurance Company.
Payment Options
Low Down Payments
Nationwide
Contact name: Fax: Address: City:
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Skipper & Associates Insurance
19845 N 3rd Street,
Citronelle, AL 36522
http://allstate.com
(251) 866-7851
(251) 866-0661 Fax
Products & Services
Auto
Business
Home
Life
Additional Information
Independent Agent
Brands
Auto
Contact name: Fax: Address: City:
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Rogers Parker & Associates Inc
110 W Tennessee Street,
Florence, AL 35630
http://www.rogersparker.com
(256) 764-8682
(256) 764-5660 Fax
Products & Services
Investments
Workers Compensation
Additional Information
Since 1898, Insurance Is an Investment, ... Rely On Us., Let US Prepare A Plan To Protect You With Multi-Policy Discounts., Personal
Specialties
Long-Term Care
In Business Since
1898
Contact name: Fax: Address: City:
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Elliott & Associates Inc
112 W 5th Street,
Tuscumbia, AL 35674
http://www.elliottinsures.com/
(256) 314-1266
Products & Services
Industrial Policies
Life Insurance
Additional Information
Elliott & Associates
Contact name: Fax: Address: City:
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Tucker & Associates
7875 Moffett Road, Suite D,
Semmes, AL 36575
(251) 645-0599
Products & Services
24 7 Claims Reporting
Accidents
Associate Agent
Auto
Automobile Insurance
Brands
Auto
Commercial
Nationwide
Payment Options
All Major Cards
American Express
Diner's Club
DISCOVER CARD
MasterCard
Customers Served
Commercial
Hours of Operation
Mon-Fri Weekdays
Additional Information
Are You Paving Too Much for Auto Insurance?, If So, Call Today for A Free Quote!, No Prior Insurance Needed, At Tucker and Associates We Offer, Commercial, Evening Hours & Saturdays by Appointment
Certification & Affiliations
Registered
Contact name: Fax: Address: City:
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Burton & Associates
707 Highway 31 South, # C,
Athens, AL 35611
http://yellowpages.com
(256) 232-1256
Products & Services
Automobile Insurance
Additional Information
An Affiliate of Country Financial
Brands
Auto
Cotton States Insurance
Contact name: Fax: Address: City:
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Dockery & Associates
198 Medical Court,
Prattville, AL 36067
http://www.nationwide.com/
(334) 358-1891
Brands
Nationwide
Certification & Affiliations
Registered
Additional Information
Who To Call
Contact name: Fax: Address: City:
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