That’s it, you’re moving! As you somehow manage changes of address, packing your belongings, spring cleaning and all the responsibilities required by your big project, you can’t get rid of this fear: what if something doesn’t didn’t go as planned?

Even the most organized move is not immune to accidents and the unexpected, which is why you should only do business with a company that has adequate basic moving insurance to protect your possessions to their fullest value.

Take the time to compare different companies to decide which policy is right for you and learn about the different options available to you. Let’s see what elements to consider to choose the right moving insurance.


Normally, a specialist company will give you basic coverage called Agreed Value Protection, free of charge, which will cover your belongings based on their weight (about $0.60 to $2 per pound).

You can also apply for Replacement Cost Protection. With this protection, which is not free, however, your moving company could offer you compensation of up to ten dollars per pound. It is therefore an excellent solution for those who have high-value items, such as works of art or antique furniture.

Moving insurance should also cover the building. Thus, you will be compensated if, for example, the walls or the floor were scratched during the transport of furniture and appliances.

Part of the responsibility is also yours. Note that your goods are less likely to be damaged if you entrust their packing to professionals. If you take care of it yourself, follow the recommendations of your mover. Also make a detailed inventory of your assets, with supporting photos.

Check with your home insurance to be sure you are covered during the moving period. Most coverage protects your old and new address for thirty days, but better check!


Has a property covered by your home insurance been damaged? In this case, the mover’s insurance will prevail over yours. However, if the value of the damaged item exceeds what the moving insurance coverage provides, your insurance could make up the difference. The same applies if the mover refuses to take responsibility for the reported incident.

The moving company could reject this responsibility if an object to be moved was not properly packed or presented certain risks, such as in the case of an unstable piece of furniture or a fragile sculpture. The movers will notify you of their conditions before transporting the object in question.

Unable to agree on compensation? You can then turn to the Small Claims Division of the Court of Quebec, provided you do not claim an amount greater than $15,000.

Do not hesitate to ask for details on the coverage and to ask to see the moving insurance contract. Details, including exclusions, are normally found on the back of it. A serious company like Brault Demenagement will have no objection to presenting this document to you, but beware of those who might refuse!