I have decided to go with FlatRate movers (I know what you are thinking, but it's a long story and I am OK with things as they are). On my contract, FlatRate has two options for this move:
OPTION 1 MINIMUM LIABILITY: (No additional charge) For this insurance the shipment will be valued at .60 cents per pound, per article.
OPTION 2 VALUATION: A replacement cost policy for loss or damage, is available for ten dollars ($10.00) per one thousand dollars ($1000.00) with a minimum of three thousand dollars ($3000.00). This insurance policy has a deductible of five hundred dollars ($500.00). Valuation insurance must be maintained in storage at a rate of $3.00 per $1000.00, And on the move out at a rate of $10.00 per $1000.00.
However, a little farther down, they say:
Proof of insurance on goods is required 48 hours prior to the move - please see www.movinginsurance.com or call (888) 893-8835.
What should I do and what do I really need to buy?