INSURANCE

PLEASE READ THIS ENTIRE SECTION BEFORE USING OUR SERVICES

Insure your belongings

We will not pay more than the insured value for lost or damaged items

We strongly recommend that you purchase insurance for your belongings and review our insurance policies below.

Each year we store many thousands of boxes. Our loss rate is 3 boxes per thousand. This is obviously very low, but if it is your box it doesn’t matter how good our loss ratio is. If we lose your belongings you will want to replace them. We can only help pay that bill up to the insured value.

We make mistakes like breaking TV’s (average 2 per year) or other fragile items; we do lose boxes or damage chairs beyond repair. This will be upsetting if it happens to you. But if we lose or break an expensive box that is only insured for the default value of $50 you will be very upset. So please insure your belongings properly, because regardless of how or why we failed, our liability is still limited to the insured amount.

By value we mean the market value for the item at the time it was lost or damaged. See “Calculating depreciation” below.

If no additional insurance is purchased, the default insured value is

  • $100 for each shipped box

  • $50 for each stored piece (meaning the total contents of 1 container).

Shipping and storage fees are not refunded with insurance claims.

Calculating depreciation

Depreciation is calculated according to fair market practices (see https://www.claimspages.com/tools/depreciation/). For example, general clothing is depreciated at 33%/yr. Televisions 8.3%/yr. Coats 6.7%/yr. Bedding 15%/yr.

The total payment is limited to the insured value.

Adding insurance

Adding insurance costs $2.00 per $100 of value added. For example, insuring a box for $500 costs $10, $1,000 costs $20; for $2,000 costs $40.

You can either choose to insure a specific piece/box or insure the entire order.

For example: 5 boxes, 3 plastic container units, a TV and a desk chair (10 total pieces)

You might insure the entire order for $2,000. The cost for insurance is $40 and therefore each piece is insured for $200

OR

You might indicate that you only want to insure the box that has your Canada Goose coat for $1,500 and the TV for $500. Again, the cost for insurance is still $40 but the other 8 pieces are only insured for the default value of $50 each.

When a specific box is insured above the default value, you must provide an explicit description: for example, “Box with 20 pairs of shoes, $3,000”; “Box of winter coats and sweaters, $2,000.” If there is one particular item in the box that is of high value indicate it separately, e.g. “Box of winter coats and sweaters, $5000 (Canada Goose coat, $1500).”

What does insurance cover?

Insurance generally covers both damage and loss.

Note that "damage" applies to the content of a container and its functionality, not its appearance. For example, we often use tape to keep doors/drawers from opening in transport and this can leave an adhesive film when removed. Futons and couches can get dirty. Plastic drawers and totes often lose wheels or crack. Shipped suitcases or duffels may get scratched or torn in transit. If you’re concerned about dings, scuffs, scratches, and dust, you should box or cover items yourself or pay for us to do it.

If you don’t specifically ask for extra protection, we will assume you accept cosmetic damage as a possibility. (We do automatically cover mattresses with plastic protectors, but these can tear when the mattresses are moved, and dust may get through.)

exceptions to insurance coverage

Note that fragile items need to be professionally packed by JPS, or they will only be insured against loss. This includes

  • Kitchenware such as glasses and dishes

  • Small appliances like coffee makers and microwave ovens

  • Computers

  • Gaming equipment

  • TVs

  • Pictures and other artwork

  • Mirrors

  • Fragile furniture

  • Other easily broken items

Please do not take a risk, especially with TVs. If a TV is not professionally packed it will usually break. Do not try to cushion them with things like bedding or clothing, it won’t work.

Our John’s Moms do not have the training or materials to properly pack fragile belongings on the job site, so please don’t ask them to. They will hand off the items listed above to the truck crew for transport to the store where they will be professionally packed. If fragile items listed above are packed by a mom on site, we can only insure these things for loss, not damage.

We do not insure particle board or IKEA-type furniture. Once assembled, it is practically impossible to move these pieces without damaging them.

Original artwork is not insurable. Do not give us any artwork that you cannot bear to lose or damage. We do not insure “one of a kind” pieces made by students (e.g. paintings, ceramics, prototypes, architectural models) .

Making an insurance claim

You have 30 days from delivery to make an insurance claim.

If you feel a piece or box is missing from your order, start by reviewing your order summary and compare it to the items you received. Then call us with the description on the summary sheet.

If we determine together that something is missing, JPS has one week to locate it before processing the claim. This can be difficult at move-in when parents are in town and want to help their students settle in before they leave; however, please be patient while we are trying to locate lost items at the busiest time of year.

If something is damaged, please retain the item and the packing materials so we can inspect them. We cannot pay a claim on an items if you dispose of them before we can properly inspect the order.