Furniture Insurance Guide During Moving

"My furniture worth 200,000 SAR, but insurance only covers 3,000!" - a problem many face. Understanding insurance protects you from big losses.

**1. Basic Insurance (Free):**
- Coverage: 10-20 SAR/kg
- 3-bedroom apartment (2 tons) = 20,000-40,000 SAR compensation
- **Problem**: Doesn't cover actual value!

**2. Comprehensive Insurance (Paid):**
- Cost: 2-5% of furniture value
- Covers: Full value
- Includes: Breakage, loss, theft, fire

**3. Valuable Items Insurance (Special):**
- For antiques and collectibles
- Official appraisal required
- Cost: 5-8%
- Full compensation

**Step 1: Value Your Furniture**
- Regular furniture: Current market value (not purchase price)
- Valuable items: Official appraisal

**Example:**
- Bedroom (5 years): Bought for 20,000, now worth 10,000
- Sofa (3 years): Bought for 15,000, now worth 9,000
- Apartment total: 80,000 SAR

**Step 2: Choose Insurance Type**
- Basic insurance: Free (max compensation 20,000)
- Comprehensive (3%): 2,400 SAR (compensation 80,000)

**Smart Decision:**
If your furniture > 30,000 SAR → Comprehensive insurance necessary!

**When Damage Occurs:**
1. **Don't move anything** - Photo everything
2. **Notify company immediately** (within 24 hours)
3. **Fill claim form**
4. **Provide evidence**: Before/after photos, receipts

**Required Documents:**
- Moving contract
- Damage photos
- Purchase invoice (if available)
- Company report

**Timeline:**
- Claim inspection: 3-7 days
- Compensation decision: 7-14 days
- Payment: 14-30 days

**Tip:** Read contract carefully before signing!