INSURANCE

PLEASE READ THIS ENTIRE SECTION BEFORE USING OUR SERVICES

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

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 box of 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/year) or other fragile items, lose boxes or damage chairs beyond repair. You may get upset if it’s yours and we understand that. But if we lose or break an expensive box that is only insured for $50 you will be very angry. So please insure your belongings properly because regardless of how or why we failed, our liability is still only limited to the insured value.

That liability is limited to the market value for the item at the time it was lost up to the amount indicated on the JPS order summary. 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 10-20%/yr

Insurance must be purchased within 24 hours of JPS pick up for shipped items and 72 hours for stored items.

If no addition insurance is purchased, the default value is

  • $100 for each shipped box

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

WE WILL NOT PAY MORE THAN THE DEFAULT VALUE, REGARDLESS OF THE CIRCUMSTANCES, IF YOU DO NOT PURCHASE INSURANCE.

Adding insurance costs $2.00 per $100 of value added. For example: to insure a box for $500 cost $10, $1,000 costs $20, or $2,000 cost $40.

The fee you paid to ship or store the item is not refunded. The total payment is limited to the insured value.

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

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

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

OR

You 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 $50 each.

When a specific box is insured above the default value an expicit description must be indicated. 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 as with a Canada Goose coat.

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, we will assume you accept cosmetic damage as a possibility. We do cover mattresses with plastic, but it can tare when moved and dust will get through.

Fragile items need to be professionally packed by JPS, or they are only be insured against loss. This includes kitchenware such as glasses and dishes, small appliances like coffee makers, microwave ovens, computers and gaming equipment. Please do not take a risk, especially with TVs. Unless professionally packed they will usually break, even when cushioned with things like bedding or clothing. Even the box it came in is not sufficient protection. JPS must pack your TV if you wish to insure it against damage.

Our John’s Mom’s are not qualified to pack fragile belongings like TV’s, dishes or electronics.

We do not insure particle board or IKEA-type furniture. Once assembled it is practically impossible to move these pieces without sustaining some decrease in its integrity.

You have 30 days from delivery to make insurance claims.

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

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 it’s determined that something is missing, we have one week to locate it before processing a claim. This can be difficult when parents are in town and want to help their student complete their move-in before they leave. Please be patient while we are trying to locate a lost item.