Insurance decisions are easiest when you know the difference between carrier liability, declared value, and full replacement cover. Those are not interchangeable protections.
What to compare
Coverage scope, exclusions, valuation method, and claims deadlines matter more than the headline premium. The cheapest policy often leaves the biggest gap on fragile or high-value items.
- Check the claims deadline before you choose a policy.
- Photograph vulnerable items before packing and again at delivery.
- Ask how the insurer values partial damage versus full loss.