Moving to Denver
— Full-Service–All Risk (They Load and Drive)
This type of coverage applies to goods transported or stored by a full-service moving company, and there are two options to consider.

Full Replacement Value–Valued Inventory. This is the most comprehensive insurance option available and provides the best coverage. It is offered for interstate (moving from state to state), intrastate (moving within the same state) and international shipments. With this option, you must list and declare a replacement value on all of the items that you wish to insure. Items may be categorized as a group, such as “living room set, 7 pieces” or listed individually.

Full Replacement Value–Lump Sum. This insurance is offered only for interstate and international shipments. The total coverage amount is determined when you place a lump-sum value on all of your goods to be insured considering the declared value of the shipment equals no less than $6 times the weight of the shipment. Any items individually valued at $500 or more need to be listed separately to be covered at their specific replacement value.

— Full Service–Named Perils (They Load and Drive)
Named Perils insurance coverage applies to goods transported or stored by a full-service moving company. It covers only losses that result from causes explicitly listed in the Terms and Conditions. Coverage is available for both the transit period as well as the storage period. Causes of loss for the transit and storage periods can be reviewed in the Terms and Conditions for this insurance type. There are two options within this choice to consider.

Named Perils–Selected Inventory. This provides coverage based on an itemized and selected inventory prepared by the insured prior to the shipment date. For your benefit and for proper coverage, you must list and declare a replacement value on all of the items that you wish to insure. This option is the most comprehensive and is the best coverage available because it does not reduce the settlement amount for depreciation or a coinsurance penalty. This completed inventory also can act as a base for your homeowners or renters insurance policy at the new location.

Named Perils–Total Value. This offers coverage if you are interested in insuring your entire shipment. The total coverage amount is determined when you place a total value on all of your goods to be insured considering the declared value of the shipment. Any items individually valued at $500 or more need to be listed separately to be covered at their specific replacement value. To avoid being underinsured, it is required you declare the replacement value of your entire shipment.

— Other Coverage Options
Mobile Storage Named Perils insurance is for situations in which you load and a moving company drives. It covers only losses that result from causes explicitly listed in the Terms and Conditions. Coverage is available for both the transit period as well as the storage period. Causes of loss for the transit and storage periods can be reviewed in the Terms and Conditions for this insurance type.

Truck Rental Named Perils insurance is for situations in which you load and you drive. This covers only losses that result from causes explicitly listed in the Terms and Conditions. Coverage is available only for the transit period of the move and only for transported goods, not for damage or loss to the vehicle or its driver and passengers. Causes of loss can be reviewed in the Terms and Conditions for this insurance type.

Total Loss Only (TLO) is for all move types and is designed to protect your goods against a catastrophe, including fire, flood, truck accident or a stolen truck, that results in total damage or loss of the shipment. TLO is defined as an insurance type that offers coverage compensating for damages or losses only in case of 100 percent damage or loss to the shipment. This insurance type will not compensate for any individual items damaged or lost.

MOVING EXPENSES
Tax deductions might apply to a move, but it is best to understand the law before moving so you keep the appropriate records and to comply with any necessary provisions. Keep in mind that a move must be at least 50 miles from a current home and involve changing job locations for expenses to be deductible.

— Deductible Moving Expenses
You can deduct the reasonable expenses of moving your household goods and personal effects and of traveling from your old home to your new home. Reasonable expenses can include the cost of lodging (but not meals) while traveling to your new home.

   
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