Proud parent of an ANG, USNA X2, and a MidSib
- Apr 9, 2017
You are correct. Not looking at damageSo just for clarification, he asked if his stuff was covered if it was stolen during a PCS move in a vehicle he is driving and he has a current renter's policy?
He is not looking to have coverage for damage during the move (ie scratches/dents, etc...) just if things got stolen, correct?
If the above is correct, then they have changed their policy. I was curious and looked to see if USAA has anything on their website (https://www.usaa.com/inet/wc/advice-military-move-pcs) and came across this blurb
"Are my belongings covered during a military move?
During a military move, coverage for your items can vary based on who moves your property and how the loss occurs. Coverage during a full military move is normally provided by the military through the transportation service provider. Just make sure all your items are manifested and carefully follow all DoD required deadlines. During a DITY move, renters insurance may provide limited coverage.See note3 For instance, you might have coverage if your items are stolen from the moving truck but probably won't if you drop and break your $4,000 TV, unless it is covered through a VPP or technology endorsement. If you hire professional movers and they destroy your TV and it's on the bill of lading, it's probably covered through their insurance and then your own renters policy could serve as a backup. The bottom line is to understand your insurance policies to know when you have coverage and make a moving decision based on those risks."
That note 3 does say"For coverage to apply, property must be under a bill of lading or other professional shipping document. Breaking, marring and scratching are excluded." Which seems to be in agreement with what he is being told.
This is very weird because it once was covered under personal property of the renter's insurance for USAA no matter where it was located. We have since move away from USAA (for other reasons), but know last summer, our stuff was covered through ALLSTATE with the renter's insurance. We always do at least a partial dity move with our 2 cars filled to the brim and always ask the same questions.
Hopefully, he is able to sort this out before he leaves . Either way, he should check the reviews of locations of the hotels along the way and parks smartly in well lighted areas.
Coverage but rather theft. This is all exactly what he was told. Twice. He has not spent time calling others at this point, but was told by USAA its the same with everyone (and I would expect USAA to be the most military move friendly).
Your suggestion is also his plan…staying at highly rated places, park under lights, against a wall, etc.