All of the household goods are covered under this coverage at no extra charge to you. For local moves within Illinois the coverage is at $.30/lb/article. For long distance moves outside of IL the coverage is at $.60/lb/article.
This coverage includes lost, damaged and destroyed property. The coverage will pay for the repair or replacement of the goods. Usually there is a minimum coverage amount and applicable deductibles.
Write down all significant pieces of furniture, glassware, appliances, electronics, cameras, etc..., give each a number and an approximate weight. If you have a large number of books that you'll be packing into boxes, assign each box a weight. This can be applied to kitchen items, clothes, knickknacks and any other high volume item.
Give each item or box on your list a replacement value. Replacement value means the cost to replace the item with another item of comparable material and quality. The item must be used for the same purpose. This applies unless the cost to repair or replace the damaged item is less.
If you are moving fine art, valuable instruments or antiques, make sure you inform the moving company and apply extra precautions in packing and insuring each item.
Take photos of all pieces, especially items of high or sentimental value. This will assist in keeping track of your inventory and will help if you need to make a claim.
Now add up the number of items, the total weight and the total value. Keep this list on hand when you're interviewing moving companies. This will help you determine if the moving company is providing enough coverage.