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Understanding Moving Insurance and Liability

If you're wondering about moving insurance, remember that no matter how careful your movers are, accidents can happen. Boxes can be bumped or dropped or shift during transit and no amount of research will guarantee the safe arrival of your goods. Every day, we move heavy bulky objects through narrow doorways and up and down tight stairwells. Even though we may take all proper precautions to avoid damage, it does happen on occasion.

All movers in Illinois are required to offer liability insurance coverage of $0.30 per pound per article. This is included in your base move price and does not cost any extra money. As such, it is the most economical option available and the one most commonly chosen.

If you want greater protection, movers are permitted to offer additional liability insurance coverage issued by third party insurance companies. This optional insurance provides coverage for household as well as office goods while in transit or in a storage facility. Although movers are not permitted to sell this additional coverage themselves, or profit from it, we do make it available to our customers and do all of the leg work to arrange for the coverage for our customers.

This additional liability insurance coverage costs $0.60 per $100 in valuation and you must insure the entire load for fair market value. It takes a few days to get the coverage bound and a policy issued by the insurance company, so be sure to place your order for this coverage at the time you book your move. You may also order this coverage yourself through the several specialty insurance companies which sell this coverage. If you purchase additional liability coverage you will deal directly with the insurance company in the event of a claim.

In addition, some homeowner and renters insurance policies cover household goods in transit. So check your policy before purchasing additional liability coverage.


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2009-2014 Low Cost Movers, Inc. ~ All Rights ReservedLow Cost Movers is a locally owned and operated Chicago moving company and is the low cost leader in Chicago moving and suburban Chicago moving with rates starting at the unbelievably low price of $65.00 per hour for a 2 man crew and a truck, plus a one-time trip charge of $65.00. Some people think of us as cheap Chicago movers.  We prefer to think of ourselves as innovative businessmen who have found a way to lower the cost of doing business.  In so doing, we have become the low cost provider of Chicago and suburban Chicago moving services.  Whether you are looking for residential movers, business movers, commercial movers or emergency movers, get the Low Cost Movers price first. When we started Low Cost Movers we asked our customers what they wanted in a moving company. Surprisingly, they told us they wanted only 6 simple things: We knew that if we gave our customers what they wanted that success would follow. We listened to our customers and constantly drive ourselves to achieve an extraordinary on-time track record, hire only pleasant, and courteous employees, work diligently to complete all moves within our estimates and have an extremely low incidence of damage.  We know that there is not much that we can do about the weather in Chicago but we did do something about the cost of movers.  We made low cost moving in Chicago a reality. We are fully licensed by the Illinois Commerce Commission and carry comprehensive insurance coverage including, public liability, cargo, transit, and workers compensation insurance to protect you, your home or business and your belongings. Your furniture is padded with special moving blankets before moving to protect against scratches and damage during the move. We move your belongings faster and cheaper and are available 7 days a week, 24 hours a day. We don't charge extra for Saturday or Sunday moves and there is no extra charge for elevators or stairs. We don't use day laborers, only experienced professional movers who know how to get the job done right in the least amount of time. Importantly, we don't add a lot of extra charges to your estimate and we even guaranty our prices. All Chicago movers are not alike. Low Cost Movers was built on the promise of truly low prices - and we mean it. Give us a try. If there is a lower priced licensed mover in the Chicago area - we haven't heard of them. Call today and speak to one of our friendly moving coordinators. You will be surprised at how low our prices really are. The reason is simple. Our customers are so satisfied with us that they tell their friends and family about our low prices and terrific service. That's the advertising we don't have to pay for which is what enables us to out-price the competition. So, whether you are moving your home or business in Chicago or in the Chicago suburbs, call Low Cost Movers and get ready to be pleasantly surprised.
*Effective 4/20/14, subject to change. Actual charges governed by applicable tariffs published and on file with the Illinois Commerce Commission,
this advertisement notwithstanding. Illinois Commerce Commission License No. MC 144546

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