Can You Replace Your Couch for $40? Why You Want Moving Insurance

Apartment Therapy recommends spending between $2,500 and $3,000 on a couch. A seven foot couch weighs around 135 pounds. If your couch gets damaged while it’s being moved, and you’re relying on the complementary valuation coverage to replace your couch, you can expect to receive around $40. * Even if you’re the world’s most amazing shopper, it’s going to be hard to make those numbers work.

Shleppers recommends that everyone secure full value replacement moving protection insurance. When you have full value replacement moving protection insurance, if your $2,500 couch is damaged during a move, you get $2,500 to replace it.  This makes sense to us.

We don’t sell full value replacement moving protection insurance, because we’re a moving company, not an insurance company. But we very strongly recommend everyone research and consider it: if you choose to protect your belongings, that coverage needs to be in place before the move.

Why do we recommend full value replacement moving protection insurance? Because we’ve been in the moving business for over 30 years, which means we’ve seen a lot of unbelievable things happen. Traffic accidents, extreme weather, sinkholes, and other unavoidable catastrophic events occur. Our crews are experienced, professional, and diligent, but even their best efforts can’t prevent every negative event. We wish we could, but we can’t. It’s important for you to protect yourself.

A word about homeowner’s insurance policies. Again, we’d like to stress the point that we’re a moving company, not an insurance company. We can not tell you whether or not your homeowner’s insurance will cover your possessions while they’re being moved. The person you want to talk to about this is your insurance agent, who will be able to tell you about your specific policy’s benefits.

*Numbers relevant to an hourly rate move; for a fixed rate move, you could expect to receive approximately $80 for a 7-foot couch.