People ask carefully about a moving company's insurance and rarely ask their own insurer anything at all. Both matter, and they cover different things.
Just-In-Time Moving works throughout Washington and Washington County. We are licensed in Utah and carry general liability insurance.
Five questions for your insurer
Are my belongings covered while in transit? Some homeowners policies extend to personal property away from the home, often at a reduced limit. Some do not extend to a commercial move at all. This is the central question and it takes one call.
Am I covered at both addresses during an overlap? If you hold two properties for a fortnight, ask when cover begins at the new one and ends at the old. Gaps here are common and quiet.
Is the contents figure still realistic? A move is when people discover they insured for what they owned six years ago. You are handling everything you own anyway, which makes it the natural moment to revise it.
Are high-value items scheduled? Jewellery, art, instruments, collections and firearms frequently need listing individually above a threshold, and a general policy limit may be far below their value.
When does cover start at the new address? Set it to begin before the move rather than on the day, so there is no window where neither property is covered.
What your policy generally will not do
Cover damage caused by the moving company, which is that company's responsibility rather than your insurer's.
Cover cash, documents and irreplaceable items, essentially anywhere, which is why those travel with you.
Cover damage to a building's common areas, which is what the mover's general liability is for and why associations ask for the certificate.
How this fits with the mover's side
Two separate things get called insurance. General liability covers damage the company causes to property. Valuation is the mover's liability for your goods, and its basic level is settled by weight rather than value, which for electronics is a small fraction of replacement.
Ask which valuation level your estimate assumes and what full value protection costs, then decide with your own cover in mind rather than separately.
Practical steps
Photograph valuables with condition and serial numbers before packing. Number owner-packed boxes and keep a list. Keep documents, jewellery and medication with you. Raise damage on the day while the crew is present.
Call (435) 862-3080 or email office@movingjustintime.com.
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Movers in Washington
Family-owned since 2012, licensed and insured, and running our own crews at both ends of I-15 — not a broker handing your move to whoever is free.
Movers Near Washington
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Same Service, Different City?
We also provide movers throughout the Southern Utah.
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