Assess the total value of your belongings
Check what coverage your moving company already provides
Compare released value protection and full value protection
Review policy limits and coverage exclusions
Confirm whether damage, loss, theft, and delay are covered
Ask about deductibles and out-of-pocket costs
Verify if high-value items need separate coverage
Read the claims process and filing deadlines
Check whether coverage applies during storage or transit
Compare premiums from multiple insurers
Confirm the mover and insurer are licensed and reputable
Get all coverage details in writing before booking