Getting the right insurance coverage for moving

March 6, 2021

Ease the stress of a move by making sure your belongings are protected

Whether you’re moving locally or out-of-state, on your own or with a moving company, the right insurance will protect your belongings and give you one less worry. But before you put the first piece of furniture on the truck, do some research—start here.

Understand your coverage for a move

Homeowners and renters policies provide coverage for your belongings while your personal property is at your residence, in transit and in storage facilities, but will not pay for any damage done to personal property while being handled by the movers—when packing or physically moving the items.

Depending on your agreement, professional movers provide some protections for your belongings. It’s a good idea to consult your insurance professional about your current policy, make sure your coverage is sufficient for your move and understand your options:

Trip transit insurance covers your personal property for perils including theft, disappearance or fire (the same perils covered by your homeowners or renters policy) while in transit or storage. Trip transit insurance can be written for the full value of your property, or as excess coverage over and above that provided by the moving company. It does not, however, cover breakage or flooding at, say, a storage facility.
Special perils contents coverage will cover breakage of all but fragile items.
A floater will fully protect high value items such as jewelry, collectibles, china, vases, fine art, etc.
Car insurance verification. If you’re shipping your vehicle, ask the auto shipping company for their insurance certificate—they are required by law to have one. And check with your insurance company about your coverage: Is it the same while the automobile is being shipped? Do you have to provide the company with any notification?
Storage insurance. If you’re going to need temporary or permanent storage for some of your items before or after the move, understand how they’re covered, too.

Understand your professional mover’s protections

The type of liability coverage your moving company offers for damage or breakage is not technically insurance and therefore is not governed by state insurance laws. Under federal law, however, all interstate movers must offer two different liability options—full value protection and released value protection. Most movers offer both options for intra-state moves, as well.

It’s important to understand the various types and levels of protection available and the charges for each option, so always ask your moving company to provide the specific policy terms in writing.

Full value protection is a plan under which your mover is liable for the replacement value of the belongings in your shipment. If any of your personal property is lost, destroyed or damaged while in the mover’s custody, the company will repair or replace the item, or make a cash settlement for the cost of the repair or the current market value. The cost for full value protection liability coverage varies by mover; different deductibles (that you can choose) will reduce or increase the price. Note that full value liability is more expensive and is the default. If you don’t specifically select released value, your shipment will automatically be transported at the full value protection level and you will be assessed the applicable charge.
Released value protection is offered at no additional charge beyond the moving fee. However, it provides only a minimal protection—no more than 60 cents per pound per article. So if your mover loses or damages a 10-pound stereo component valued at $1,000, you would only receive $6.00 in compensation (60 cents x 10 pounds).
Separate liability coverage may be offered by your mover to augment your released value protection for an additional fee. If you choose to purchase this extra coverage, the mover remains liable for the amount up to 60 cents per pound per article, but the rest of the loss is recoverable from the insurance company up to the limit of the policy you’ve purchased. Your mover is required to issue and provide you with a written record of the policy at the time of purchase.

Check Your Professional Mover’s Agreement

Review your contract and your mover’s capabilities to:

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Determine exactly what kind and how much coverage the moving company provides for property loss and/or damage.
Review the contract carefully for the estimated value of your possessions and match it to your own list. An up-to-date home inventory will make this task easier, and packing for a move is a great time to create or update yours.
Find out the maximum value of the mover’s insurance should your goods be damaged, and make sure it is sufficient for your needs.
Check that the moving company’s policy includes coverage for damage done to your premises—both the house you are leaving and the one you’re moving into.
Know what the time-limits are, for filing claims with your mover and decide whether they are reasonable—you need time to unpack and check for potential damage.

If you choose to move yourself

If you choose to move yourself, you won’t have the benefits of a moving company’s coverage if your belongings are damaged or broken. To make sure you’re protected:

Consult your insurance professional and review the trip transit, special perils and floater options with him or her.
Buy the optional collision damage waiver coverage from the rental company if you are renting a truck. Your collision and comprehensive coverage likely will not transfer to a non-owned moving van, only to a private passenger vehicle.

After the move

Note any damage caused by the movers while you unpack; and watch the deadline for insurance claims to make sure you submit the claim within the timeframe specified.
Consult your insurance professional about your new address and make sure to inquire about possible savings on your home and auto premiums for features like a shorter commute, a gated community or lower crime area than previously, alarms or other security systems.

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Help! How Can I Get an Emergency Loan With Bad Credit?

The average home in the United States has less than $9,000 saved in an account for emergencies. Savings accounts often don’t have enough to cover emergency medical bills, car accidents, and other disasters. If you are in a position and need money, but don’t have a good credit score, there are a few other options to consider. Continue reading to discover how you can get an emergency loan with bad credit! Upstart If you are searching for an emergency loan that won’t dig you deeper into debt, Upstart is an excellent choice. Depending on your credit score, you may have to pay an interest rate of up to 35%, however, some can be as low at 6%! By going online and signing up with the company, you can view the loan amount you qualify for and all of the payback details. Many people that have worked with this lending company have had good reviews and were able to get access to money quickly. Rocket Loans Another lending company that you should check out is Rocket Loans. Rocket Loans can help anyone with a credit score above 580. Much like Upstart, depending on your credit score, you may have to pay a higher interest rate, however, it shouldn’t go above 29% with this company. When compared to other lending places, Rocket Loans has lower interest rates and easier pay schedules for their customers. Ask Your Employer Depending on the relationship you have with your employer, you may be able to ask them for a loan or pay advance. Small businesses typically have more flexibility with paying in advance. Large corporations often don’t offer this option. By explaining your financial situation to your employer, they may be willing to offer assistance. Try to let your employer know in advance as much as possible, so that they can gather their funds. Get Help From Family and Friends Another way that you can get an emergency loan with bad credit is by asking your friends and family. You can ask your friends in your circle or family for money, just ensure that it is someone that you trust. Although you may be close to these people, you should also write up a payback timeline or contract to avoid future problems and confusion. Sometimes searching for quick loans America bad credit loans near me can be as simple as going to your friend’s house! You Can Get an Emergency Loan with Bad Credit Getting a loan with a credit score over 700 can be rather easy. Finding an emergency loan with bad credit, however, is another story. Without a good credit score, you may get denied by large loans because the companies are concerned that you won’t be able to pay them back. If you DO get these loans with bad credit, they often have a higher interest rate. By utilizing the options above, you can quickly get access to money and work through the emergency at hand. Be sure to check out our blog for more articles about getting control of your finances and planning out your future!
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Monkeypox: Time to worry or one to ignore?

If you’re still reeling from the Covid pandemic, well sorry but there’s another virus to get to grips with. This time it’s monkeypox and there are around 80 confirmed cases in 11 countries, including the UK, that would not normally expect to have the disease. So what is going on? Is it time to worry or are we getting overly excited having just lived through Covid? Let’s be clear: this is not another Covid and we’re not days away from lockdowns to contain the spread of monkeypox. However, this is an unusual and unprecedented monkeypox outbreak. It has taken scientists who specialize in the disease by complete surprise and it is always a concern when a virus changes its behavior. Until now, monkeypox was pretty predictable. The virus’s natural home is wild animals, which are actually thought to be rodents rather than monkeys. Somebody in the rainforests of Western and Central Africa comes into contact with an infected creature and the virus makes the jump across species. Their skin erupts in a rash, which blisters and then scabs over. The virus is now outside its usual home and struggles to spread so it needs prolonged close contact to keep going. So outbreaks tend to be small and burn out on their own. Small numbers of cases have cropped up elsewhere in the world before, including in the UK, but all can be immediately linked to somebody traveling to an affected country and bringing it home. That is no longer the case. For the first time, the virus is being found in people with no clear connection to Western and Central Africa It is not clear who people are catching it from Monkeypox is spreading during sexual activities with most cases having lesions on their genitals and the surrounding area Many of those affected are gay and bisexual young men “We’re in a very new situation, that is a surprise and a worry,” Prof Sir Peter Horby, the director of the University of Oxford’s Pandemic Sciences Institute, told me. While he says this is “not Covid-Two”, he said “we need to act” to prevent the virus from getting a foothold as this is “something we really want to avoid”. Dr. Hugh Adler, who has treated patients with monkeypox, agrees: “It’s not a pattern we’ve seen before – this is a surprise.” So what’s going on? We know this outbreak is different, but we don’t know why. There are two broad options – the virus has changed or the same old virus has found itself in the right place at the right time to thrive. Monkeypox is a DNA virus so it does not mutate as rapidly as Covid or flu. Very early genetic analysis suggests the current cases are very closely related to forms of the virus seen in 2018 and 2019. It is too early to be sure, but for now, there is no evidence this is a new mutant variant at play. But a virus doesn’t have to change in order to take advantage of an opportunity, as we have learned from unexpected large outbreaks of both Ebola and Zika virus in the last decade. “We always thought Ebola was easy to contain until that wasn’t the case,” said Prof Adam Kucharski, from the London School of Hygiene and Tropical Medicine. It’s not clear why gay and bisexual men are disproportionately affected. Are sexual behaviors making it easier to spread? Is it just a coincidence? Is it a community that is more aware of sexual health and gets checked out? It may also be getting easier for monkeypox to spread. The mass smallpox vaccinations of the past would have given older generations some protection against the closely related monkeypox. “It is probably transmitting more effectively than in the smallpox era, but we’re not seeing anything suggesting it could run rampant,” said Dr. Adler, who still expects this outbreak to burn itself out. Understanding how this outbreak started will help predict what happens next. We know we’re only seeing the tip of the iceberg as the cases being detected doesn’t fit into a neat picture of this person passed it on to that person etc. Instead many of the cases appear unrelated, so there are missing links in a chain that seems to spread across Europe and beyond. A recent massive super spreading event, in which large numbers of people gathered and caught monkeypox at the same venue such as a festival and then took it home to different countries, could explain the current situation. The alternative explanation for so many unconnected people getting infected is if the virus has actually been bubbling along unnoticed for quite some time involving a lot of people. Either way, we can expect to continue to find more cases. “I don’t think the general public needs to be worried at this stage, but I don’t think we’ve uncovered all of this and we are not in control of this,” said Prof Jimmy Whitworth, from the London School of Hygiene and Tropical Medicine. But remember we are not in the same situation as we were with Covid. Monkeypox is a known virus rather than a new one, and we already have vaccines and treatments. It is mostly mild, although it can be more dangerous in young children, pregnant women, and people with weak immune systems. But it spreads more slowly than Covid and the distinctive and painful rash makes it harder to miss than a cough that could be anything. This makes the job of finding people who may have been infected and vaccinating those at risk of catching it easier. However, the World Health Organization’s regional director for Europe, Hans Kluge, has warned that “as we enter the summer season… with mass gatherings, festivals, and parties, I am concerned that transmission could accelerate”. Read more at bbc.com
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This smart window company is on a $1 trillion mission to eliminate blinds and shades

Smartphones forever changed the way the world communicates. View, a newly public tech firm, is hoping smart windows will transform the way people live and work — while simultaneously helping fight the climate crisis. Backed by SoftBank’s Vision Fund, View builds dynamic glass that acts as a digital skin on buildings. The company says its smart windows use artificial intelligence and machine learning to optimize natural light, control heat and limit glare. The Silicon Valley firm debuted as a publicly-traded company Tuesday through a merger with a SPAC backed by Cantor Fitzgerald. The deal, including private sales of shares, is raising $800 million that View plans to use to pay off a pile of debt and build a product to dominate what it sees as a $1 trillion market. “We took a day-to-day object and fundamentally transformed it for the 21st century to make it more sustainable, better for health and wellness, and get better outcomes for businesses,” Rao Mulpuri, View’s chairman and CEO, told CNN Business. The view says it controls 80% of the market for next-generation smart windows. Its products are used in more than 750 buildings globally, including Dallas Fort Worth International Airport and Kaiser health facilities. Major companies including Netflix (NFLX), Facebook (FB) and FedEx (FDX) also use View glass in their offices, the company said, and Google plans to install it at its new Manhattan headquarters. Conserving energy to cut costs and save the planet View’s predictive systems take into account a wide array of factors including local weather, the arc of the sun and how far workers are situated from windows to create different levels of tint, the company said. “Windows are your only connection to the outside. How sad to hang blinds on them,” Mulpuri said. “You bought the view, you paid for it with your rent. But the truth is, if the shades are down, then you have the allure of the view — without the actual view.” View, which is 12 years old and has more than 500 employees, is debuting on the Nasdaq at a time when investors are looking for ways to bet on solutions to the climate crisis. Major banks are promising to align their lending activities with the Paris climate agreement and solar and wind companies are booming. The view says its products reduce energy consumption and greenhouse gas emissions by blocking more than 90% of solar radiation from entering buildings. “To get to net zero, you can load up the roof with renewables [like solar panels], but the majority still has to come from conserving energy in buildings,” Mulpuri said. “You need to do that without penalizing the quality of life of people. You can’t just say, ‘Suck it up. Turn up the thermostat.’ We can deliver on the path to net-zero while making it more comfortable and better for your health.” Cantor Fitzgerald believes in smart windows enough to bring View public in a merger that was announced in November. At the time, Howard Lutnick, Cantor’s chairman and CEO, hailed View’s glass as a “gamechanger that will revolutionize the real estate experience,” saying it will eventually mean “buildings will no longer need blinds and shades.” Debt has more than quadrupled since late 2018 But View faces real obstacles ahead. First, the company needs to figure out how to scale its product by rapidly building out manufacturing capabilities. And that process will require hefty investments — hence taking the company public. “It’s about how fast we can build out our own capabilities,” Mulpuri said. “We’re just getting started and it’s a $1 trillion market.” Mulpuri said the plan is to use the proceeds from the SPAC and PIPE (private investment in public equity) to add manufacturing capacity and invest in research and development. View also plans to use the cash influx to repay its debt, which has more than quadrupled since the end of 2018 to $262 million, according to slides presented to investors. And View also needs to find a path to profitability after losing an estimated $87 million last year. The company’s revenue is projected to spike 138% in 2021, but it still expects to lose $52 million this year. SPACs aren’t for everyone The view is the latest company to join the SPAC boom. Special purpose acquisition corporations, also known as blank-check companies, are shells that exist solely to bring private companies public. These alternatives to traditional IPOs were once reserved for the backwaters of Wall Street but major companies including DraftKings and Virgin Galactic have gone the SPAC route. “In the past, people generally looked down on them. But over the last year SPACs and sponsors have become more mainstream,” Mulpuri said. “We chose this route because we have a demonstrable need for capital.” PACs have raised vast amounts of money and recently celebrities including Alex Rodriguez, Ciara Wilson, Serena Williams and Shaquille O’Neal have gotten into the act. Mulpuri warned that startups without proven products could hit turbulence — and hurt investors — if they go public via a SPAC before they’re ready. “Some people will get burned in the process,” he said. “With anything that gets overhyped, these things have a chance to cause some trouble in the future.” Source: edition.cnn.com
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Who Should You Be Backing To Win Flashpoint Season 2?

Flashpoint season kicks off in the CS:GO world this week and will continue for the next month or so, with a prize purse of $1 million once again on the line for the winners. The event has received a big shot in the arm thanks to the invitations made to high profile teams such as Fnatic, G2, and OG, promising to raise the bar for the level of competition on the show over the course of the event and giving it some much-needed legitimacy in the rest of the community. But which teams do we think stand the best chance of claiming victory at Flashpoint season 2? G2 Esports Already one of the best teams in the world, G2 comes into Flashpoint for the first time on the back of plenty of top finishes throughout the online era. They are currently ranked 10th in the HLTV world rankings on a two-match winning streak, including a 2-0 win over Astralis, and finished the recent BLAST Fall Showdown with a 3-1 winning record to take 1st-3rd spot. G2 recently bolstered their ranks with the addition of Niko from Faze Clan, one of the most prolific rifle players in the world, and his linking up with his cousin should give this new-look roster a new level of chemistry. In KennyS, G2 still has one of the best AWPers in CS:GO and the likes of Amanek and Nexa are still a steady pair of hands to come in as support players. With all this star power and experience behind them, it’s no surprise that Unikrn.com, the home of the best CS:GO, Dota 2, and League of Legends betting markets, have them ranked amongst the favourites for the tournament. Cloud9 Still, the only North American side to win a CS:GO Major Championship, 2020 has been a rocky and transitional year for Cloud9, however, things are beginning to look up for the org, and Flashpoint season 2 could be the place where they truly begin to prove themselves as a serious side again. Cloud9 is now under the management of CS legend HenryG and the org has made some exceptional signings over the past couple of months, with ALEX, Woxic, and Es3tag joining the side from Team Vitality, Mousesports, and Astralis respectively. Cloud9’s change in ownership and management for its CS:GO side has naturally received a huge amount of interest from the wider community, and Flashpoint marks the debut of the new look org coming together and competing at a serious S-Tier event. In ALEX, Cloud9 now possesses one of the best IGLs in the recent history of CS:GO, with the British player being the mastermind behind the uncovering of the likes of Zywhoo at Vitality and helping take the French to the cusp of the number one spot in the world. His link-up with HenryG as two British natives looks like a match made in heaven, and Cloud9 will be hoping his mastering of talismanic superstars will rub off on the likes of Floppy and Woxic here at Flashpoint. Fnatic The classic saying in the world of competitions is that champions come out swinging and you only ever see a winner’s mentality when their backs are against the wall. Fnatic has proven themselves to be champions plenty of times in this way during their long history in CS:GO, and they’re going to need to do it again here at Flashpoint. Ranked as the number one best team in the world during the opening weeks of the online era, most of 2020 has been a tale of missed opportunities and dramatic inconsistencies for Fnatic, dropping down to 13th in the world and riding the back of a five-game losing streak coming into Flashpoint. Nevertheless, right off a three-time Major Champion winner at your own risk and the likes of Unikrn still have Fnatic as a big favourite for the whole tournament in their latest CS:GO odds. In terms of pedigree and experience, there are very few teams that can truly match an in-form Fnatic in the server, however, this is still their first foray into the world of Flashpoint so they could be a risky, but rewarding, bet to exploit.
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5 common problems of Menopause & Top 5 Menopause Supplements

Have you started noticing menopause symptoms? Coping with these symptoms may be difficult, but picking the best menopause supplements will go a long way to improving the quality of your life. Read on to find out more. What is Menopause? Menopause is a natural occurrence. It occurs twelve (12) months after a woman’s last period. It is common in women between the ages of 45 and 50, but it can happen before or after this age range. Irregular menstrual cycles, hot flashes, weight gain, and mood swings are a few of the many symptoms seen before menopause. During menopause, it may seem like you won’t have to deal with the struggles of period cramps and pregnancy anymore. However, the unpleasant symptoms you might experience would give you a rethink. Luckily, there are a few things that can help, and getting the right menopause supplement is one that can make your life easier. 5 Common Problems Of Menopause The common problems of menopause include: Hot flashes: This is a common menopause symptom. In hot flashes, you may feel the heat in the upper part of your body and notice red patches on your chest and neck. You can manage hot flashes by using certain supplements, drinking cold water, and dressing in light clothes. Mood swings: Mood swings usually are triggered by stress and tiredness and may still accompany your menopause symptoms, whether you experienced it with your monthly periods or not. To improve mood swings, get at least 8 hours of sleep, and avoid engaging in too many activities at once. Weight gain: During menopause, the body’s metabolism slows down, and this causes many women to gain weight quickly. To be in control of your weight, change your diet, exercise, and rest well. Sexual drive: A decrease in sex drive because of menopause can lead to vaginal dryness, decreased sensation, and discomfort during sexual intercourse. Some supplements help to improve sex drive, and water-based lubricants for the vagina can also help. UTIs: As you age, the walls of the urethra and the vagina become weaker, and the body becomes prone to many Urinary tract infections (UTIs). This is usually followed by frequent unexpected surges of urine. To solve this, try Kegel exercises to strengthen your pelvic muscle and talk to your doctor about medications that help. Can Natural Supplements Help? Natural supplements have been used to ease the symptoms of menopause for a very long time. Maca root helps to relieve hot flashes by suppressing the follicle-stimulating hormone (FSH). Other natural herbs like black cohosh, soy, and red clover are also known to ease hot flashes and mood swings. Talk to your doctor before taking any supplements. Top 5 Menopause Supplements There are many things to consider before choosing the right menopause supplement as there is a wide range of supplements available for menopause in the market. It is important to check with your doctor and read up on any side effects that may occur. Here are our five best menopause supplements. #1 – Menoquil Menoquil is an all-natural menopause supplement. It is manufactured by Pharmaxa Labs, a brand that manufactures top products from quality natural ingredients such as green tea leaf extract. Menoquil helps to boost energy levels and alleviate stress. It also relieves common menopause symptoms like mood swings, hot flashes, and night sweats. To get the best from Menoquil, take it about 15 minutes before your breakfast and an hour before you sleep. Menoquil has not been associated with any severe side effects, and it can be bought on their official website. #2 – Amberen Lunada Biomedical, the manufacturer of Amberen, gave rise to a supplement that contains essential nutrients. This supplement can help to relieve many menopause symptoms ranging from low sex drive, vaginal dryness, low energy level to hot flashes, stress, and anxiety. Amberen is a 60-capsule supplement, available in many online stores, and it is not associated with any side effects. #3 – Estroven Complete The Estroven Complete brand created its products in such a way that it suits every woman. Whatever menopause symptoms you may experience there is a product suited to you. It helps alleviate symptoms and make your life easier while you go through menopause. Estroven is manufactured in capsule form, and it contains many active ingredients that give fast relief to menopause symptoms. It is safe, and it is sold at many online stores. #4 – Balanced Femme Balanced Femme is an herbal medication. It is manufactured in a liquid drop form, making it easy to take. It contains powerful ingredients that were used in ancient times to improve menopausal symptoms. It helps to improve the quality of life and increase energy levels. #5 – Equelle Equelle is one of the recently produced menopause supplements, and it is made with natural ingredients. It is known to reduce hot flashes, mood swings, and exhaustion. Equelle also helps to reduce joint stiffness in the shoulder and neck. Do Menopause Supplements Have Side Effects? When it comes to supplements, different people will have different reactions. Menopause supplements do not result in severe side effects, but some of these supplements may have interactions with other medications. Other times, they may not effectively treat certain symptoms if the user has allergies, and this may lead to more problems. Some of these supplements may also pose health risks to people who survived serious disease conditions like breast cancer. It is advised that you consider the advantages, disadvantages, and price, and also consult your doctor before taking any supplements. They will be able to give you advice on what works best for you. Advantages of Using Menopause Supplements Many menopause supplements help to ease common menopausal symptoms. They have many advantages, and they include: They help to enhance the quality of life in women undergoing menopause. They help to relieve stress and anxiety. They relieve joint and body pains. They could reduce mood swing intensity. They help to reduce weight gain caused by menopause. They decrease night sweats and lessen hot flashes. They improve >>Read more
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Getting the right insurance coverage for moving

Ease the stress of a move by making sure your belongings are protected

Understand your coverage for a move

Understand your professional mover’s protections

Check Your Professional Mover’s Agreement

If you choose to move yourself

After the move

Like it? Share it with your friends!

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