Moving is not an easy decision, and it usually involves a series of economic, educational, work, professional and even sentimental factors that must be considered before you start packing your belongings. However, once the decision has been made, it is important to take into account the possibility of taking out removal insurance, so that you will have peace of mind throughout the whole process.
For many, moving home means a new beginning full of hope for a better future, and even when we use the services of a professional company, accidents and theft can happen, resulting in the sudden loss of our belongings. For this reason, it is essential to have the backing of an insurance that will respond in the event of any eventuality occurring during the move.
What is moving insurance?
El seguro de mudanza es un contrato legal que garantiza la protección de los bienes mientras son transportados a su nueva ubicación. Así, tanto si decide mudarse como almacenar temporalmente sus objetos, un seguro de mudanza le permitirá proteger su valor.
En este sentido, los seguros de mudanza han sido diseñados para ofrecer una cobertura total o parcial, dependiendo de las necesidades de cada cliente. Asimismo, las compañías aseguradoras cuentan con diversos planes enfocados al menaje tradicional, como juegos de sala, juegos de comedor, refrigeradores, etc., así como a objetos de alto valor patrimonial o de lujo, como obras de arte, antigüedades, joyas costosas, entre otros.
¿Por qué debemos contratar un seguro de mudanza?
A la hora de hacer una mudanza pueden ocurrir diversos eventos que pongan en riesgo nuestros objetos, como por ejemplo, un robo, un accidente automovilístico, una caída e incluso alguna catástrofe natural, como una inundación, un terremoto o un huracán.
Si alguna de estas situaciones llegase a ocurrir cuando nos mudemos, es muy importante que estemos preparados con una póliza de seguro, y de esta forma podremos obtener una indemnización parcial o total del valor de los bienes afectados en dicho evento.
How many types of moving insurance are there?
Insurance companies have developed various insurance policies to protect goods during a move, and each is structured according to the type of coverage it offers.
1) Liability insurance
This type of insurance is compulsory in many countries, and is established in the regulations in force. In general, liability insurance provides compensation in the event of any eventuality that causes damage to third parties, such as damaged floors, broken walls, damaged lift, etc.
2) Weight transport insurance
This type of insurance will compensate the user according to the weight of the objects, i.e., the heavier the object, the higher the amount to be paid by the insurance company. For this purpose, the company establishes a value for each kilogram of the goods transported during the move.
3) Specific insurance
Specific insurance compensates the damaged or lost item on the basis of its actual value and not on the basis of its weight. This is a clear advantage for small, expensive items such as jewellery.
In conclusion
As we have seen, removal insurance is essential for preserving our financial assets, as it allows us to obtain fair compensation in the event of any eventuality occurring during the move. For this reason, make sure you hire a serious and responsible company that guarantees full coverage for your belongings when you move.