When planning a move, whether it’s across town or interstate, protecting your belongings is just as important as packing them. For anyone dealing with large house removals, understanding how moving insurance works can give you peace of mind during what can be a hectic time.
Even with experienced furniture removalists, accidents can still happen. From scratched furniture to missing boxes, having the right coverage ensures you’re not left out of pocket if things don’t go according to plan.
This article explains the basics of moving insurance—what it is, why you might need it, and how to approach it with confidence.
Moving insurance is a form of protection that covers your possessions while they are being transported from one location to another. This could include damage, loss, or theft during loading, transit, or unloading.
It's worth noting that not all removalists automatically include insurance in their services. Some may offer a basic form of cover, while others will suggest purchasing a separate policy through a third-party provider. Understanding the difference is key.
Even with the best packing techniques or highly-rated removalists, things can go wrong. Boxes shift in transit, unexpected weather can play a role, or items can be mishandled during a quick unload. Insurance gives you a fallback if your belongings are damaged, lost or broken.
This is especially important during large house removals, where the sheer volume of items increases the chances of something being affected. If you’re moving high-value items, antiques, or electronics, it’s even more important to consider.
Coverage varies depending on the policy and provider, but generally, moving insurance can include:
• Loss or damage caused during the move
• Breakage from accidents in transit
• Water damage
• Theft while in transit or storage
It’s essential to check exactly what your policy covers. Some will only offer limited protection for fragile items or exclude coverage for boxes packed by the owner rather than the removalists.
There are a few common types of insurance you might encounter when moving house:
1. Standard Transit Insurance
Often included or offered by moving company, this covers loss or damage during the move. It’s basic but better than nothing.
2. Full Replacement Insurance
This provides compensation for the full value of any lost or damaged item. It's more comprehensive and usually requires a detailed inventory before the move begins.
3. Third-Party Insurance
If your removalist doesn’t offer the coverage you’re after, you can take out a separate policy through a general insurer or specialised provider. This is often the route taken for high-value or long-distance moves.
Before you sign up for any moving insurance, here are a few things to consider:
• Do you already have coverage?
Your home and contents insurance might already include some level of cover during moves. It's worth checking.
• Who’s packing the boxes?
Some policies won’t cover items unless they’re packed by professional removalists. If you’re doing the packing yourself, ask how this affects the policy.
• How are items valued?
Policies may offer "market value" or "replacement value". Make sure you know which applies, as it affects what you’ll get back in a claim.
• Are there limits or exclusions?
Some items may be capped at a certain value, or not covered at all (like cash, jewellery or certain electronics).
If you need to make a claim, having a proper record of what you moved is incredibly helpful. Here’s what to do:
1. Take photos before the move
Photograph your belongings, especially high-value or fragile items. This can be useful evidence.
2. Keep receipts or valuations
These help verify the value of items and speed up your claim.
3. Note any damage immediately
As soon as you notice something is missing or broken, report it to the removalist or your insurer.
4. Follow the claims process
Most insurers will have a set process. Make sure to follow it closely and keep copies of everything you submit.
If you're handling the move yourself or using mates and a rental truck, your options for insurance may be limited. Most DIY moves aren't covered by home insurance or standard moving policies.
In this case, third-party moving insurance could be worth exploring. It can cover unexpected issues during loading or transit, even if you’re not using a traditional move house service.
When budgeting for a move, it’s easy to overlook the value of insurance. But if you're investing in large house removals or entrusting your belongings to house transporters, factoring in a small cost for protection is a wise move.
Even trusted furniture removalists can have the occasional mishap. Insurance isn’t about expecting things to go wrong—it’s about being prepared just in case.
Understanding moving insurance is about knowing your risks and deciding how much protection you’re comfortable with. Whether you're moving across the street or across the country, being covered can make a big difference if something goes wrong.
Before you move, take a moment to review your options. Ask your removalist what they offer. Check with your current insurer. And if needed, look into a third-party policy. With a bit of planning, you’ll be able to move with confidence, knowing your belongings are protected.
Is moving insurance compulsory?
No, it’s not required by law, but it’s highly recommended—especially for long-distance or high-value moves.
Can I get insurance if I pack everything myself?
Some policies allow this, but they may offer reduced coverage or exclude damage claims. Always ask your insurer first.
Does insurance cover delays or rescheduling?
Generally, no. Most policies cover physical loss or damage only. For timing issues, speak with your removalist about their policies.
Will my home contents insurance cover the move?
Sometimes. It depends on your provider and policy. Contact them to clarify if any coverage applies during a move.
Are fragile items like glassware or art covered?
Often these require special packing or declarations to be included in a policy. Ask if additional coverage is needed.
iMover - Melbourne Removalists, is a comprehensive housekeeping service in Melbourne that provides piano moves, logistics, warehousing and cleaning services.
