Insuring cargo is crucial when you consider the cost of replacing your property compared to the premium for insuring the same property. For people transporting their home contents to a new residence, transportation insurance should really be considered. The premium is once-off and added into the quote for the entire move by your moving company. Your household contents will be covered against losses resulting from everything from accidental damage by the movers to fire and complete loss. Unlike short-term insurance policies for household contents, an inventory is not required to insure your property. If a loss was incurred while your property is in transit, your transportation insurance will pay out a cash settlement for the value of the loss. In addition, since there is no risk assessment, no excess will be required if a claim is to be filed.