Moving Insurance

Option One – Minimum Liability

You may choose to purchase no insurance. If so, inventoried items
will be covered at minimum liability which is .60 per pound per item.
There is no charge for this option.
Example: For a lost or damaged 100 pound dresser you would
receive $60, regardless of the dresser’s actual value. Weight is
determined by the American Moving & Storage Association (AMSA)
Table of Weights.

Option Two – Purchasing Insurance

  • Deductible: All FlatRate insurance policies carry a $300
    deductible (ACV) or $500 (RC).
  • Cost: The cost of insurance is $15 per $1,000 coverage.
  • The insurance policy covers your inventory only.
  • The Insurance Policy is not an itemized policy.
  • The policy is based on the actual cash value of your entire
    inventoried shipment.

IMPORTANT: Be sure to purchase enough insurance to cover the
total $ value that you have claimed on the bill of lading. If you
under-insure your shipment, you will be subject to a co-insurance
penalty.

Example: If you claim your shipment is worth a total of $20,000 but
you only purchase $10,000 worth of insurance, the policy is only
responsible for 50% of losses/damages incurred.
Choose between the following two insurance options:

Actual Cash Value (ACV):
Your property is insured for its actual cash value, after
depreciation, based on the AMSA Depreciation Guide. You will be
paid the lesser of the following, according to our assessment:
  • The actual cash value at time of loss or damage, after
    depreciation.
  • The amount of repairing or replacing the property
    (according to our estimates).
  • The limit of coverage.

Replacement Cost (RC):
Your property is insured for replacement cost. (Please note: in
order to receive full replacement cost for an item, it must be
damaged beyond repair or confirmed as lost).
You will be paid the lesser of the following, according to our
assessment:
  • The amount of repairing the damage (according to our
    estimates).
  • The amount it would cost to replace the destroyed or lost
    property with similar kind or quality to be used for the same
    purpose and same site (according to our estimates).
  • The limit of coverage.

What Is Not Covered:

Loss or damage to jewelry, gem stones, cash, stamps, coin or
currency, bank notes, travelers checks, deeds, letters or valuable
papers of any kind, coin or stamp collections, photo albums,
scrapbooks, negotiable items, perishable articles, firearms,
ammunition or contraband.

  • Any internal electrical or mechanical component of any
    device unless external damages are duly noted in writing at
    the time of delivery. Loss of data and recalibration are also
    excluded.
  • Damage to furniture made from pressboard and/or
    particleboard.
  • Loss or damage consisting of breakage of china, glassware,
    bottles, statuary, bric-a-brac, or other similar articles of a
    brittle nature unless property has been packed by the
    carrier . The carrier is not responsible for the content of
    boxes packed by the owner.
  • Pairs & Sets: The policy covers only the cost or repair of an
    individual item damaged, regardless if the item is part of a
    pair or a set.
  • Tax, shipping and handling charges.
Serving the Following Communities:

Fair Oaks - Citrus Heights - Gold River - Rancho Cordova -
Sacramento - Roseville - Granite Bay - Rocklin - Lincoln -
Auburn - Folsom - El Dorado Hills - Cameron Park - Rescue -
Placerville - Davis - Woodland - Dixon - Winters - Napa -
Vacaville - Fairfield
© 2006 - 2011 Old West Moving Assistance All Rights Reserved!
Hours of Operation:
Monday - Sunday 7am - 8pm
Closed - Saturday
Old West Moving Assistance
2212 HERMOSA CT
RANCHO CORDOVA, CA 95670
Contact Us

(916) 962-1960 Office
(916) 896-9881 Cell
(916) 200-5006 Fax
info@oldwestmovingassistance.com