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Frequently Asked Questions
Who is Baker International Insurance?
Valuation vs. Insurance?
What are the advantages of insuring with Baker International?
What is mover/carrier liability?
How soon before my move date may I purchase the full replacement household goods transit insurance?
Can my request for full replacement household goods transit insurance be denied?
What if I change the move date?
Do I need to complete a full replacement household goods valued inventory?
What is Co-Insurance?
What is considered “high value”?
Can I purchase Full Replacement insurance for specific items?
Can I insure my automobile in transit?
What if I subtract or add items to my household goods descriptive or valued inventory?
What items are not covered under the household goods transit policy?
What is a deductible?
What are the deductible options on my household goods insurance policy?
How much will the household goods transit insurance cost?
If I pack my own boxes, are the contents covered against damage?
If my household goods store in a moving company's warehouse, will the policy continue coverage?
If my household goods store in a mini warehouse/self-storage unit, will the policy continue coverage?
Will the policy cover mold and mildew?
How do I file a damage claim?
How long do I have to file a damage claim?
How does the claim process progress?
How long does it take to settle my claim?
How can I purchase household goods transit insurance?
How do I get my household goods Full Replacement Value Certificate of Insurance?
DON’T SEE YOUR QUESTION ANSWERED HERE?
Then visit our  contact page for information on reaching a representative for direct help.

Who is Baker International Insurance?
Baker International Insurance agency was created for the exclusive purpose of
providing high quality claim service and to design “All Risk” replacement cost moving insurance policies to protect household goods during local, intrastate, interstate, or international relocations. Coverage for these policies are underwritten on a worldwide basis by A++ Superior insurance companies.

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Valuation vs. Insurance?
The most important feature to know about valuation is: VALUATION IS NOT INSURANCE. Valuation offered by van line carriers is carrier contractual liability based on the weight of your household goods, and established by either the Department of Transportation (DOT) or a State agency/organization.

Below are options offered by most van line carriers:

1. $0.60 per pound per article – Limited contractual liability based on a DOT or State tariff requirement. This limits the moving company from paying out the actual value of an article, in the event of loss or damage. It allows them to pay a minimal amount on damage or catastrophic loss based entirely on the weight of the item itself.

2. Replacement Cost Protection – A higher level of protection available for an additional charge. The van line or forwarder will require the purchase of a minimum amount for this protection, based on the weight of the household goods shipment.


Disadvantages of Valuation:
• Regardless of the valuation plan you choose, loss or damage to your goods will only be paid if the carrier is liable.
• It does not cover any loss or damage due to Acts of God, high winds, earthquakes, tornadoes, hurricanes, riots, strikes, civil commotion, etc. (refer to the Bill of Lading for greater details on standard valuation exclusions).
• The van line or forwarder that damaged your household goods settles its own claims.
• The claim adjustment process is not standardized.
• Replacement Cost Valuation (which amounts to a simple increase in basic liability) typically costs more than insurance.
• Replacement Cost Valuation will not provide adequate financial protection against serious loss or damage. It was designed to remedy small routine claims. RCV may leave you inadequately protected.

Advantages of Insurance:
• A Certificate of Insurance is issued to each customer specifying the terms and conditions of the “All Risk” Insurance policy, which provides comprehensive protection for household goods against loss or damage. The policy includes Replacement Cost Coverage with several deductible options to reduce your cost.
• A Certified Property and Casualty claim adjuster processes each claim in the same manner, regardless of van line or forwarder you selected.
• Claims are settled directly by claim adjusters, not employees of the van line or the forwarder.
• Insurance covers damage or loss from causes such as Acts of God, hurricanes, high winds, tornadoes, and earthquakes, riots, strikes, civil commotion, fire, theft, etc.
• Shippers receive a "Certificate of Insurance" outlining all provisions, stipulations and exclusions.
• Insurance is usually less expensive, even with these added benefits.
• If your household goods go into storage, insurance includes, at no additional cost, coverage for a period of time, usually up to 90 days. If your storage period exceeds 90 days it is possible to obtain extension coverage, at a nominal cost.

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What are the advantages of insuring with Baker International?
• Baker is one of the most respected names in movers` insurance in the moving industry.

• For over 25 years, Baker has been providing insurance and first class claim service for relocating families.

• Insurance Policies are underwritten by AM BEST A++ Superior Insurance Comapanies.

• If your household goods go into storage, policies include, at no additional cost to you, coverage for up to 90 days. See Certificate for specific details.

• Of all the many benefits derived from using the Baker program, the claim service is the most important. You know a professional claim adjuster is processing your claim in an expedient and professional manner.

• Claims are adjusted in a consistent manner, regardless of the van line or forwarder providing the transportation service.

• Baker International Insurance Agency is able to recognize patterns of loss and damage and thereby offer recommendations to the transporting company on how to prevent future loss or damage.

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What is mover/carrier liability?
Carrier liability varies from company to company.

• Common Carriers (companies who generally transport freight) release themselves at $0.10 per pound per article unless otherwise specified.

• Moving and storage companies release themselves at $0.60 per pound per article – as required, based on DOT regulations or State requirements. This level protects the moving company from having to pay out the actual value of an article due to loss or damage, for which they may be liable. It allows them to pay a minimal amount on damage or catastrophic loss based entirely on the weight of the item contained within the household goods shipment.

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How soon before my move date may I purchase the full replacement household goods transit insurance?
It is best to purchase your full replacement insurance policy soon after you have decided on a mover. To avoid an additional rush fee make sure you have purchsed insurance at least 48 hours before your pack/move date.

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Can my request for full replacement household goods transit insurance be denied?
Your request for insurance may be declined if your household goods are coming out of a storage unit or if there is not enough time to issue a signed certificate and collect premium payment before movers arrive for packing or loading.

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What if I change the move date?
If you decide to change your move date, contact Baker International to note the change at least 24 hours before current move date.

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Do I need to complete a full replacement household goods valued inventory?
If you are moving within the continental United States we require an inventory on fine arts and antiques valued at $5,000. or more and on Collection items valued over $500.00. A complete valued inventory is necessary if you are moving to Alaska , Hawaii , or anyother place in the world.

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What is Co-Insurance?
It is the condition of this transit policy to insure 100% of the value of the household goods shipment. If 100% of the value is not declared the owner will bear a proportionate share of any covered loss or damage that may arise while in transit/storage.

For example, if the actual household goods shipment has a value of $50,000 and you decide to declare it for $25,000, the insurance policy will only cover 50% of the loss or damage, as the goods were insured for only one-half of their actual value.

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What is considered “high value”?
High value is considered to be any one item over $5000.00 in value. You are required to provide us with a specific line item identification and value for each such line item.

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Can I purchase Full Replacement insurance for specific items?
The full value replacement policy covers 100% of all goods shipped. The policy may not be limited to a few special items contained within the shipment.

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Can I insure my automobile in transit?
Baker International will cover your vehicle in transit with a mover, as long as the vehicle is contained within the transporting vehicle containing the household goods shipment, or is transported on the transporting company's car carrier. If the vehicle is sub-contracted to an independent car hauling company coverage will not apply. The value of the shipment will be the combined value of the vehicle and the household goods within the truck.

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What if I subtract or add items to my household goods descriptive or valued inventory?
If a policy has been issued please contact Baker International to confirm the addition or subtraction of an item. This change may effect the coverage and.

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What items are not covered under the household goods transit policy?
Items over $5000.00 in value, unless otherwise declared on the high value inventory. Collections over $500.00 in value, unless otherwise declared on the high value inventory.

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What is a deductible?
A deductible is that portion of loss or damage the owner assumes. The deductible amount will be subtracted from the approved claim reimbursement, if there is a claim settlement.

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What are the deductible options on my household goods insurance policy?
It is best to contact Baker International to negotiate the most appropriate deductible and coverage for your household goods and personal effects in transit.

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How much will the household goods transit insurance cost?
It is best to contact Baker International sales department to get an accurate quote based on the value of your household goods and personal effects.

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If I pack my own boxes, are the contents covered against damage?
The policy only covers contents in boxes packed by the mover. If you choose to pack your own boxes, contents are not covered unless the container is damaged and noted on the van lines' or forwarders delivery documents (i.e., the Bill of Lading, the Descriptive Inventory, or the “Bingo sheet”).

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If my household goods store in a moving company's warehouse, will the policy continue coverage?
If your household goods go into storage at the moving company's warehouse the policy will continue to cover your shipment for 90 days, at no additional cost for the insurance. If the shipment remains in storage longer than 90 days, you must contact Baker International to purchase an extension of coverage. This is the customer's (your) responsibility.

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If my household goods store in a mini warehouse/self-storage unit, will the policy continue coverage?
When your household goods go into a mini warehouse/self- storage unit it is considered to be in your care and custody, and no longer is covered under the transit insurance policy.

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Will the policy cover mold and mildew?
When household goods are in transit, they generally do not remain stationary long enough to be exposed to mold or mildew. Mold and mildew are excluded in this transit policy.

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How do I file a damage claim?
Go to the web site and download a claim form or contact Baker International at 940-270-3200 and request a claim form.

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How long do I have to file a damage claim?
Residential moves must be submitted to the Baker International claims department 90 days from the date of delivery.

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How does the claim process progress?
Claim form received by Baker from customer.

Claim adjuster assigned and confirmation letter sent to customer.

Quality control manager contacts customer by telephone to answer questions and set customer expectations.


Baker has access to hundreds of active appraisers, craftsman, and repair firms to assist with on site inspection and/or repair at customer`s residence.


Claim adjusters operate with a Daily Diary to make certain our goal to settle a claim within 30 days of receipt of each claim is maintained.


Each Claim Adjuster has an individual toll free number.


Quality Control Manager monitors progress of each claim to make certain appraisers, craftsman, repair firms and claim adjusters expedite the settlement process.

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How long does it take to settle my claim?
Claim adjusters operate with a Daily Diary to make certain our goal to settle a claim within 30 days of receipt of each claim is met.

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How can I purchase household goods transit insurance?
Contact Baker International Insurance at 800-356-0099 and speak with a sales coordinator to assist in determining the value of your household goods, review deductible options, and be provided a quote on your moving insurance premium.

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How do I get my household goods Full Replacement Value Certificate of Insurance?
A certificate of insurance will be mailed within 24 hours of purchasing moving insurance.

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DON’T SEE YOUR QUESTION ANSWERED HERE?
Then visit our  contact page for information on reaching a representative for direct help.

BAKER INTERNATIONAL | 510 E Corporate Dr. Suite 300 | Lewisville Texas 75057

Main 800.356.0093 / 940.270.3200 | Claims Fax 940.269.1503 | Sales Fax 940.270.1500