How To Get a COI for Moving

Moving to a new home often symbolizes a fresh start, a new chapter filled with exciting opportunities. However, amidst the anticipation and planning, it's easy to overlook the critical aspect of protecting your belongings during the transition. That's where the COI moving comes into play. This seemingly mundane document holds the key to safeguarding your prized possessions and ensuring that your journey to a new home remains as smooth and stress-free as possible.

Whether you're planning a local relocation or a cross-country adventure, the COI for moving is your ticket to peace of mind. In this comprehensive guide, we'll explore not only the significance of this document but also the nitty-gritty details of how to obtain one. By understanding the ins and outs of securing a COI (Certificate of Insurance) for moving, you'll be well-equipped to protect your cherished items and embark on your new life journey with confidence.

Understanding the Certificate of Insurance (COI)

What is a COI for Moving?mov

A Certificate of Insurance (COI) is a formal document that provides proof of insurance coverage. In the context of moving, it certifies that the moving company has adequate insurance to cover potential damages and losses during the process.

Why is it Necessary to Get a COI for Moving?

Securing a Certificate of Insurance (COI) for moving is an essential step when planning a relocation, whether it's a local or long-distance move. This document is your safety net, ensuring the protection of your items and valuable possessions during the transition. By partnering with a reputable insurance company that offers this service, you not only guarantee the safety of your belongings but also gain invaluable peace of mind, knowing that unforeseen mishaps are covered. In the hands of professional movers, a COI becomes a vital asset, safeguarding your items and making your relocation experience truly worry-free. If you need a guide to different types of relocation helpers, just check out our blog page now!

COI for moving

Types of Insurance for Moving

Moving companies offer different types of insurance options. It's crucial to understand these options to make an informed decision regarding your move:

Released Value Protection

Released Value Protection, the most basic insurance option, is typically included in your contract with moving companies. However, it provides limited coverage, compensating you based on the weight of your items rather than their actual value. While this might suffice for some, it's important to note that the compensation may not be sufficient for valuable or fragile items. It's crucial to understand the limitations of this option, particularly if you have expensive furniture or other delicate belongings that may require extra attention during packing, unpacking, and, if necessary, storage in units. In such cases, considering additional coverage options like Full Value Protection or Third-Party Insurance is advisable to safeguard your belongings more effectively.

Full Value Protection

If you're seeking more comprehensive coverage during your move, Full Value Protection is an attractive option. While it typically comes at a higher premium, it guarantees that the moving company will be responsible for the full replacement or repair of any damaged or lost items. This level of protection is especially advantageous for those with valuable furniture or fragile possessions. It not only provides peace of mind during the packing, unpacking, and transit phases of your relocation but also extends to storage units if you require temporary storage during your move. With Full Value Protection, you can trust that your prized belongings are covered adequately without concern for insurance policy limits.

Third-Party Insurance

For those with unique or high-value items that exceed standard insurance policy limits, Third-Party Insurance serves as a valuable solution. This option enables you to purchase additional coverage from an external insurance provider, customizing your protection to suit your specific needs. It's an excellent choice if you have particularly delicate or expensive items in your inventory. Whether you're looking to safeguard rare collectibles, fine art, or valuable furniture, Third-Party Insurance ensures that your property manager or moving company is not held solely responsible in the event of unforeseen damage. This supplementary layer of protection makes your move a safer and more secure experience, offering the peace of mind you deserve during the entire process, from packing to storage and unpacking.

Who Needs a COI for Moving?

A Certificate of Insurance for moving is essential for the various parties involved:

Homeowners/Renters: Protect your possessions during the move.

Moving Companies: Demonstrate your commitment to customer satisfaction and safety.

Building Management: Often, your new or old building management may require a COI from the moving company to protect against property damage.

How to Obtain a Certificate of Insurance

Acquiring a COI is a straightforward process:

Step 1: Choose a Reputable Moving Company

The first step in obtaining a Certificate of Insurance (COI) is selecting a trustworthy moving company that meets your household goods transportation needs. Research potential movers, read reviews, and ask for recommendations to ensure you're making a reliable choice. Reputable packers and movers will have experience dealing with COI company insurance requirements, making the process smoother for you.

Step 2: Discuss Insurance Options

Once you've chosen your moving company, engage in a discussion about insurance options. Understanding the coverage available and associated costs is essential. This step allows you to tailor your COI to your specific needs, whether you're moving heavy items, navigating stairs, or relying on an elevator for transportation.

Step 3: Request the COI

After selecting your coverage, request the Certificate of Insurance from your chosen moving company. A reputable company should promptly generate the COI for moving for your household goods, ensuring that you are protected during the entire moving process, from packing your belongings into boxes to safely transporting them to your new home.

Step 4: Review and Confirm

Upon receiving your COI for moving, carefully review the document to ensure that it includes accurate information, coverage details, and the correct dates. This thorough review will confirm that your insurance policy aligns with your moving schedule and specific needs.

Step 5: Keep It Handy

Store your COI in a safe, easily accessible place. Having a digital copy readily available on moving day ensures that you're prepared for any unexpected situations that may arise during the move, whether it involves transporting heavy items or encountering unforeseen challenges with stairs or elevators.

Step 6: Communicate with Building Management

If your property manager or building management requires a copy of the COI, communicate with them well in advance of your move. This proactive approach ensures that there are no last-minute hiccups when you're ready to transport your household goods.

Step 7: Enjoy a Stress-Free Move

With your COI for moving in hand and all preparations in place, you can embark on your move with confidence. A well-thought-out COI for moving ensures a stress-free moving experience, as you know your belongings are protected and that the moving company can meet company insurance requirements. Whether it's a short or medium-distance move, you can focus on settling into your new home with peace of mind.

When to Request a COI

Timing is crucial when requesting a COI for your move:

  • Local Moves: Request the COI well in advance, typically at least a week before the move.
  • Long-Distance Moves: Given the added complexity, request the COI even earlier, at least two weeks ahead.

Reviewing Your COI

It's essential to understand what your COI should include:

  • Details of Coverage: Check that it includes coverage for potential damage to your belongings and property.
  • Correct Dates: Ensure the dates on the COI align with your moving schedule.
  • Accurate Information: Verify that the company's name, address, and contact details are accurate.

Renewing or Updating Your COI

If your move schedule changes or your coverage needs updating, follow these steps:

  • Notify Your Moving Company: Communicate any changes in your moving plans to your moving company.
  • Request an Updated COI: If necessary, ask for an updated COI reflecting the changes.

Importance of Working with Reputable Movers

The quality of your moving company directly affects your COI experience:

  • Red Flags: Be wary of moving companies that resist providing a COI or have a history of poor service.
  • Reputation Matters: Choose a reputable moving company with a track record of satisfied customers.

Final Thoughts on COIs for Moving

In conclusion, a Certificate of Insurance is an invaluable document that ensures your peace of mind during the moving process. By understanding the types of insurance, when and how to request a COI and the importance of working with trustworthy movers, you can make your move a smooth and stress-free experience. When you decide to relocate yourself with the help of professionals, you can look up convenient self-storage or a moving vehicle rental to help you with your moving journey.


Don't let the excitement of moving overshadow the importance of securing a Certificate of Insurance. This essential document safeguards your belongings and provides peace of mind during a potentially stressful time. By following the steps outlined in this guide and working with reputable movers, you can ensure a successful and worry-free move. So, when you're planning your next relocation, make sure to prioritize your COI.

Ready to move with confidence and ensure the safety of your belongings during your transition? Look no further than Abreu Movers Westchester. Our experienced team is well-versed in securing your Certificate of Insurance (COI) moving, providing you with comprehensive protection and peace of mind. Don't let the stress of relocation overshadow your excitement; take the first step towards a worry-free move today with Abreu Movers Westchester.

FAQs: How To Get a COI for Moving

Does a COI cover damage to my property during the move, or is it only for my belongings?

A COI primarily covers damage or loss to your belongings and household goods during the move. If you require coverage for potential property damage, you may need to discuss this with your moving company and consider additional insurance options.

When should I request a COI for my move, and how long does the process take?

It's advisable to request a COI well in advance of your move, typically at least a week for local moves and at least two weeks for long-distance relocations. The exact processing time may vary depending on your moving company and specific requirements, so it's best to plan ahead to ensure a smooth transition.

 Is a COI required for local moves?

It depends on your specific moving company and building management requirements.

What does a COI cover?

A COI typically covers damages to your belongings and property, but the specifics can vary.

Can I get a COI from any insurance provider?

Not necessarily. Your moving company may have specific requirements for COIs.

Michael Dixon

Michael Dixon is an esteemed relocation strategist and a compassionate advisor, highly regarded for his exceptional expertise in the moving industry. With a wealth of knowledge and a genuine commitment to guiding individuals and families through the challenges of relocation, Michael has become a trusted and sought-after expert in the field.

Michael's interest in the intricacies of moving was sparked during his early experiences of relocating with his family. Witnessing the transformative power of a well-planned move, he developed a profound fascination for understanding the logistics and emotional aspects of relocations. This curiosity laid the foundation for his journey towards becoming a relocation strategist.