Coverage
State and federal regulations define the value placed on your household goods in the event of loss or damage while in transit with a motor carrier. It is that value that the consumer must understand before relocating, such that if the carrier suffers a freak accident, or as is more routine, some individual household item is damaged or lost in transit. Firstly, in the event of the loss of an entire load of household goods, this is what we could call a freak accident. While you should check with your homeowners policy, generally, even after a deductible there are severe limits in the amount of coverage you can expect to receive on household goods once outside of the primary domicile, i.e. the primary focus of a homeowners insurance policy. Such freak accidents might take form of a serious mishap in traffic. How many times do we see a truck that goes off the road, often while dodging a smaller vehicle whose irresponsible behavior led to the mishap. If such an occurrence finds the truck in a river, or if a shift in the load causes extensive damage to your household goods, the losses can mount. Additionally trucks are interlaced with electrical systems that occasionally lead to a fire, and the fuels and fumes of trucks and the traffic in which they navigate sometimes lead to explosions and entire loss of loads. While rare, a certain amount of caution can be very prudent when moving household goods to make sure that your losses are minimized in the case of minor or major loss.
