Understanding U-Haul Insurance

When moving your valuables, it is crucial to ensure they are safe and secure. Unfortunately, accidents can happen, which is why U-Haul offers insurance. But what exactly is U-Haul insurance? This article will explain everything you need to know about U-Haul insurance, including what it covers, how to purchase it, and more.

What is U-Haul insurance?

U-Haul insurance is a type of insurance offered by U-Haul to provide protection for your belongings during a move. The coverage is optional, but it is highly recommended if you want to protect your valuables. U-Haul offers a variety of different coverage options to meet your needs, including:

Coverage Type
Price
Coverage Amount
SafeMove® Basic
$14 per day
Up to $2,000
SafeMove® Plus
$28 per day
Up to $5,000
SafeMove® Premium
$42 per day
Up to $1,000,000

The cost of your coverage will depend on the type of coverage you choose and the value of your belongings. It’s important to note that U-Haul insurance only covers damages caused during transportation, not damages due to loading or unloading your belongings.

SafeMove® Basic

SafeMove® Basic is the most affordable insurance option offered by U-Haul. This coverage provides up to $2,000 of protection for your belongings during transportation. SafeMove® Basic covers damages caused by:

  • Collision
  • Fire
  • Smoke
  • Flood
  • Hail
  • Wind
  • Theft or vandalism

It’s important to note that SafeMove® Basic does not cover damages caused by a natural disaster, such as an earthquake, tornado, or hurricane.

SafeMove® Plus

SafeMove® Plus provides up to $5,000 of protection for your belongings during transportation. This coverage includes everything offered in SafeMove® Basic, plus:

  • Damage from loading or unloading your belongings
  • Damage from overturning or jackknifing
  • Damage from damage due to hitting an animal

However, SafeMove® Plus still does not cover damages caused by natural disasters.

SafeMove® Premium

SafeMove® Premium is the most comprehensive insurance coverage offered by U-Haul. This coverage provides up to $1,000,000 of protection for your belongings during transportation. SafeMove® Premium includes everything offered in SafeMove® Plus, plus:

  • Damage caused by natural disasters, such as earthquakes, tornadoes, or hurricanes
  • Full value coverage for lost or damaged items
  • Coverage for rental equipment damage

It’s important to note that SafeMove® Premium only covers damages caused during transportation, not damages due to loading or unloading your belongings.

How do I purchase U-Haul insurance?

To purchase U-Haul insurance, simply select the coverage option you want when making your reservation online or in person. You can also add insurance to an existing reservation online or by calling U-Haul’s customer service department. It’s important to note that U-Haul insurance is only valid during the rental period and does not cover damages caused after the rental period has ended.

What should I do if I need to file a claim?

If you need to file a claim for damages to your belongings, contact U-Haul’s customer service department as soon as possible. You will need to provide proof of damage, such as photographs or a written description. U-Haul will then review your claim and determine whether or not it is covered under your insurance policy.

FAQ

Can I purchase insurance after I’ve already started my move?

Yes, you can add insurance to an existing reservation online or by calling U-Haul’s customer service department.

Does U-Haul insurance cover damages caused by natural disasters?

Only SafeMove® Premium covers damages caused by natural disasters, such as earthquakes, tornadoes, or hurricanes.

Does U-Haul insurance cover damages caused during loading or unloading?

No, U-Haul insurance only covers damages caused during transportation, not damages due to loading or unloading your belongings.

What is the difference between SafeMove® Basic and SafeMove® Plus?

SafeMove® Plus provides more protection than SafeMove® Basic, including coverage for damages caused by loading or unloading your belongings and damages due to overturning or jackknifing.

What is the difference between SafeMove® Plus and SafeMove® Premium?

SafeMove® Premium provides the most comprehensive coverage, including coverage for natural disasters, full value coverage for lost or damaged items, and coverage for rental equipment damage. SafeMove® Plus does not cover damages caused by natural disasters or provide full value coverage for lost or damaged items.

Is U-Haul insurance mandatory?

No, U-Haul insurance is optional. However, it is highly recommended if you want to protect your valuables during a move.

Conclusion

Moving can be stressful, but with U-Haul insurance, you can have peace of mind knowing your belongings are protected. Whether you choose SafeMove® Basic, SafeMove® Plus, or SafeMove® Premium, U-Haul offers a variety of coverage options to meet your needs. If you have any questions about U-Haul insurance or need to file a claim, don’t hesitate to contact U-Haul’s customer service department for assistance.