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.
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