Moving is a uniquely stressful time in any person’s life, and that stress will be all the more prominent if you're moving between states. With that in mind, you're likely to want to reduce your discomfort in any way you can.

You could use many tips and tricks, but the most effective solution is perhaps moving insurance. Here's exactly what you need to know.

How Does Moving Insurance Work?

Different policies will vary on the specifics, of course. By and large, however, the policies are designed to replace or repair items of yours that are damaged during the move or to reimburse you for those same costs.

First, you'll need to choose a provider. Many insurers will offer moving products, but you can also obtain cover directly from your moving company.

You'll need to fill out an application with some information about the items you'd like to cover. Then the company will provide you with a quote. Similarly, you'll need to create an inventory of the items that are being covered so that you, your movers, and your insurer all know what is being covered.

Is It Difficult to Make a Claim?

The difficulty of the claim largely depends on the insurer you select. Sometimes, the claim process can be complicated, particularly with larger brokers.

However, you can ensure the process is as streamlined as possible by taking out insurance directly with your moving company. That way, your claim will be handled entirely in-house and won't be subject to a corporate chain or long mandatory procedures. You'll also be working with a team that you've already been speaking with. Claims are much easier to deal when you have a friendly face to work with.

Is It Really Necessary?

Strictly speaking, no. No insurance policy ever is — but it's not about need. Insurance policies are designed to give you peace of mind. Moving insurance, in particular, protects you against the hard work and expense of repairing or replacing your items.

Crucially, it also protects you from having to worry about that, and that's no small feat during such a high-stress time.

As such, whether or not you take out insurance is a personal choice, but you should do so if you can afford it. After all, few people can afford the expense of covering the costs in the unlikely event that something does go wrong. Your policy will simply mean that you don't have to.

What Additional Options Are There?

Moving insurance can be tailored to your specific needs and requirements, just like any other form of insurance.

Some policies will cover you during the packing process; others will require that you pack your items yourself. Some policies will include provision for unusually expensive electronics. Some will cover the loss of your items during transit, and some will only cover damage.

Discuss your policy and your circumstances with your moving company or insurer in order to ensure that you're getting the policy best suited to you and your items.

Moving insurance is absolutely something you should look into if you're seeking to reduce stress during your move. In fact, moving insurance may be especially appropriate for those moving to and from Tasmania, as your items will be in transit for a long time as they cross the Bass Strait.

Of course, an incident is highly unlikely to occur if you've chosen a company with a good trust record. However, accidents do happen, and you'll be glad that you considered every eventuality if one should unfortunately occur.

If you'd like to discuss moving insurance — or our moving services in general — then do contact us. We look forward to assisting you.