Moving Insurance in Canada: Protecting Your Belongings During Relocation

Moving homes or businesses is a complex process, and in Canada, with vast distances and unpredictable weather conditions, safeguarding your belongings becomes even more critical. One of the most vital aspects of any move is ensuring the right insurance covers your items.

We understand the importance of this and offer various levels of protection, helping you move with peace of mind. Let’s figure out the types of moving insurance available in Canada and why you should consider them when planning your move.

Why Moving Insurance is Canada Crucial

Moving can be stressful enough without the added worry of damaged or lost items. Although professional movers take the utmost care handling your possessions, accidents can happen, especially during long-distance moves.

From transportation accidents to unforeseen events like severe weather, insurance ensures that you’re not alone in bearing the financial burden if something goes wrong.

Types of Moving Insurance in Canada

In Canada, moving insurance comes in different forms. These options allow customers to choose a coverage plan based on their needs, the value of their belongings, and the distance of the move. Here’s a breakdown of the most common types of moving insurance:

Basic Carrier Liability: By law, moving companies in Canada must provide primary coverage for the goods they transport. However, it’s important to note that this level of protection is minimal. Primary carrier liability typically covers items at $0.60 per pound. For instance, if a 50-pound item gets damaged, you’ll only receive $30, which is likely far less than its actual value.
Declared Value Protection: Declared value protection is a step above basic coverage. This policy allows customers to declare a total value for all their belongings, offering more excellent compensation if items are lost or damaged. For example, if the declared value of your goods is $20,000, your compensation is based on that figure. This type of coverage provides more protection than basic liability but still might need to cover the total cost of high-value items.
Full Value Protection (FVP): Full Value Protection is the most comprehensive insurance option. If an item is lost, damaged, or destroyed during a move, we will either repair it, replace it with a comparable item, or reimburse the customer for its total replacement value. This type of insurance offers the best protection for high-value items such as artwork, antiques, or expensive electronics. It’s the preferred choice for people who want maximum security for their possessions.

Do You Need Third-Party Moving Insurance?

While moving companies offer robust insurance options, some homeowners may want additional coverage, particularly for high-value or irreplaceable items. Third-party insurance companies can provide specialized coverage that complements your mover’s protection plan.

This might be particularly beneficial if you move rare collectibles, custom furniture, or other expensive personal items. Always check with your home insurance provider as well; sometimes, home insurance policies cover items in transit.

Understanding the Fine Print: Exclusions and Limitations

Like any insurance policy, moving insurance comes with specific exclusions. Commonly excluded items include:

Jewelry, Cash, and Other High-Value Small Items: It’s usually advised to transport these personal valuables yourself.
Perishables: Food, plants, and other perishable goods are generally not covered.
Self-Packed Boxes: If you choose to pack your items and they become damaged, the moving company may not be liable for the damage. Our professional packing services are highly recommended, as they guarantee coverage for professionally packed goods.

Burly Boyz’s Role in Protecting Your Belongings

We strive to provide a seamless moving experience, offering customized insurance solutions to meet your needs. Whether you’re moving across town or to another province, our insurance options ensure your valuables are protected every step of the way. Along with comprehensive insurance coverage, our professional movers are experienced in handling everything from fragile glassware to bulky furniture with the utmost care.

Our team can help you determine which insurance option is right for you. We will assess your move, provide transparent pricing, and recommend the right level of coverage to suit your belongings and budget. Plus, with our climate-controlled storage solutions, you can confidently store your items, knowing they are protected from temperature fluctuations, humidity, and theft.

How to Choose the Right Insurance Option for Your Move

Choosing the right moving insurance depends on several factors:

Distance: Long-distance moves across provinces typically carry more risk than local moves, making comprehensive insurance more crucial.
Type of Items: If you’re moving expensive or fragile items, opting for full-value protection may be worth the additional cost.
Storage Needs: If your move involves temporarily storing items, ensure your insurance policy covers items in storage as well as in transit. Burly Boyz offers climate-controlled and secure storage options for your peace of mind.

Trust us for a Safe and Secure Move

Moving is stressful enough without worrying about the safety of your belongings. We are dedicated to providing our clients with the highest level of service, from packing and storage to comprehensive insurance options.

With our expertise and various insurance policies, you can trust us to keep your belongings safe during your move.