U-Haul Safemove vs Safemove Plus: Which Protection Wins?
Moving can be a stressful experience, and the last thing you want to worry about is the safety of your belongings. U-Haul understands this, offering protection plans to ease your mind during your move. But with options like U-Haul Safemove and Safemove Plus, how do you choose the right coverage for your needs?
This comparison dives deep into the details of each plan, helping you understand the key differences. We’ll explore what each plan covers, what it doesn’t, and how they stack up against each other. Our goal is to provide you with the information you need to make an informed decision and protect your valuables during your move.
We will examine the specifics of both U-Haul Safemove and Safemove Plus, including the cost, coverage limits, and any extra perks. By the end of this article, you’ll have a clear understanding of which plan is the better fit for your move, ensuring peace of mind throughout the entire process.
Specs at a Glance
| Feature | uhaul safemove | safemove plus |
|---|---|---|
| Coverage for Damages | Yes | Yes, Enhanced |
| Accidental Damage Protection | Yes | Yes, Broader Coverage |
| Property Protection | Yes | Yes, Increased Limits |
| Medical/Life Protection | Yes | Yes, Higher Limits |
| Deductible Options | Yes | Yes |
| Rental Equipment Coverage | Yes | Yes, Enhanced |
| Coverage for Others’ Property | Limited | Expanded |
| Coverage for Moving Crew | Limited | Expanded |
| Coverage for Theft | Yes | Yes, More Comprehensive |
| Claim Filing Process | Standard | Expedited |
| Peace of Mind | Good | Excellent |
| Coverage for Natural Disasters | Yes | Yes |
Feature-by-Feature Breakdown
Damage Coverage
- Uhaul Safemove: Provides coverage for damage to the rental truck and the belongings inside due to accidents, fire, and other covered perils. Offers a more basic level of protection, suitable for those with minimal valuable items. Potential for higher deductibles or limited coverage amounts.
- Safemove Plus: Offers more comprehensive damage coverage, often including coverage for belongings inside the truck up to a higher dollar amount, and potentially covers incidents not included in Safemove. It may also include accidental death and dismemberment coverage. Comes with a higher price tag.
- Winner: safemove plus
Deductible
- Uhaul Safemove: Typically has a deductible associated with damage claims, meaning you’ll pay a certain amount out-of-pocket before the insurance kicks in. Deductibles can vary depending on the specific policy terms. Lower overall cost, but higher out-of-pocket risk.
- Safemove Plus: Often has a lower deductible or even a zero-deductible option for certain types of damage claims. This reduces your financial responsibility in case of an accident. Higher premium cost.
- Winner: safemove plus
Personal Injury Protection
- Uhaul Safemove: May offer limited personal injury protection, covering medical expenses and potentially lost wages for the renter and passengers in the event of an accident. Coverage levels can be modest.
- Safemove Plus: Usually includes more robust personal injury protection, with higher coverage limits for medical expenses, lost wages, and sometimes death benefits. Provides a greater level of financial security in case of injury.
- Winner: safemove plus
Cargo Protection Coverage
- Uhaul Safemove: May provide coverage for the renter’s cargo, but often with lower coverage limits and potentially with more exclusions. Designed for basic protection of your belongings.
- Safemove Plus: Typically offers more extensive cargo protection, with higher coverage limits and fewer exclusions. May cover a wider range of damage types to your belongings, like theft or damage due to natural disasters.
- Winner: safemove plus
Theft Protection
- Uhaul Safemove: May have limited protection against theft of the rental truck or the belongings inside, often with specific conditions and exclusions.
- Safemove Plus: Often provides broader theft protection, potentially covering theft of the entire truck or items inside it, subject to the policy’s terms.
- Winner: safemove plus
Rental Period
- Uhaul Safemove: Coverage usually applies for the duration of the rental agreement.
- Safemove Plus: Same as Safemove, coverage applies for the duration of the rental agreement.
- Winner: Tie
Roadside Assistance
- Uhaul Safemove: May or may not include roadside assistance. Check the policy details.
- Safemove Plus: May include roadside assistance, providing services like jump-starts, tire changes, and fuel delivery.
- Winner: safemove plus
Cost
- Uhaul Safemove: Generally less expensive than Safemove Plus, but offers less comprehensive coverage.
- Safemove Plus: More expensive, but offers more extensive coverage and benefits.
- Winner: Tie
Winner by Category
| Category | Winner |
|---|---|
| Coverage for Damages | safemove plus |
| Accidental Damage Protection | safemove plus |
| Property Protection | safemove plus |
| Medical/Life Protection | safemove plus |
| Rental Equipment Coverage | safemove plus |
| Coverage for Others’ Property | safemove plus |
| Coverage for Moving Crew | safemove plus |
| Coverage for Theft | safemove plus |
| Claim Filing Process | safemove plus |
| Overall Value | safemove plus |
What They Have in Common
- Coverage for Damages: Both Safemove and Safemove Plus offer coverage for damages that may occur during the move, providing financial protection for your belongings.
- Property Protection: Both plans include protection for your personal property, ensuring you’re covered in case of accidental damage or loss.
- Medical/life Protection: Both Safemove options provide coverage for medical expenses and life protection in the event of an accident during the move.
- Rental Equipment Coverage: Both plans offer coverage for the rental equipment, protecting you from financial loss in case the equipment is damaged or stolen.
- Accidental Damage Protection: Both plans include accidental damage protection, covering a range of potential incidents that may occur during the moving process.
Uhaul Safemove vs Safemove Plus Buying Guide
Understanding Coverage:
Safemove provides basic protection against damage to your belongings while in transit. It covers items damaged due to accidents involving the U-Haul truck or trailer. It also covers fire and theft. Safemove Plus offers enhanced coverage, going beyond the basics. It includes coverage for damage during loading and unloading, as well as coverage for items damaged due to things like rain. Think of Safemove as a starting point and Safemove Plus as a more comprehensive solution for peace of mind.
Coverage Limits & Deductibles:
Safemove typically offers lower coverage limits with no deductible, meaning you’ll get reimbursed for the full amount of covered damages. Safemove Plus provides higher coverage limits, which is helpful if you have a lot of valuable items. However, Safemove Plus often has a deductible, meaning you’ll need to pay a certain amount out-of-pocket before the coverage kicks in. Consider the value of your possessions and your comfort level with potential out-of-pocket expenses when choosing.
Cost Comparison:
The cost of Safemove is generally lower than Safemove Plus, reflecting the lesser coverage. The price is usually based on the rental equipment used and the distance traveled. Safemove Plus is more expensive, but it offers a wider range of protection. The price is often a percentage of the rental cost. Weigh the cost against the potential risk of loss or damage to your belongings. It’s about finding the balance between cost and security.
What’s Not Covered:
Both Safemove plans have exclusions. Standard exclusions include things like pre-existing damage to your belongings, normal wear and tear, and damage caused by improper packing. It’s crucial to read the fine print of both policies carefully. Safemove Plus might have some exclusions, like damage caused by pest infestations. Understanding the exclusions helps you evaluate if the coverage meets your specific needs and situation.
Who Should Choose Safemove?
Safemove is a good choice if you’re on a tight budget and are comfortable with the risks of basic protection. If you are moving a small number of items and the items are of low value, Safemove could be sufficient. It’s also suitable if you’re a careful packer and loader and are confident in your ability to handle your belongings safely. It provides a basic layer of security without the added cost of comprehensive coverage.
Who Should Choose Safemove Plus?
Safemove Plus is ideal for those seeking comprehensive protection for their belongings. If you are moving valuable items, Safemove Plus is recommended. It is also good for individuals who may be moving fragile items. If you prefer to have coverage for nearly every eventuality during your move, Safemove Plus provides a higher degree of protection. It gives you greater peace of mind knowing your belongings are well-protected.
Who Should Buy What?
Buy uhaul safemove If…
- You’re looking for basic coverage at a more affordable price.
- You have a smaller move with fewer valuable items.
- You want peace of mind without the most comprehensive protection.
Buy safemove plus If…
- You’re moving a large number of valuable items.
- You want the broadest possible coverage and higher limits.
- You want enhanced protection and faster claims processing.
- You’re concerned about potential risks like theft or damage to others’ property.
Frequently Asked Questions
What does Safemove cover?
Safemove typically covers damage to your belongings resulting from accidents involving the U-Haul truck or trailer, as well as fire and theft. It provides a basic level of protection against unforeseen events during the move. However, it does not cover damage caused during loading and unloading or damage resulting from weather-related issues. Always read the policy details.
What does Safemove Plus cover?
Safemove Plus offers more extensive coverage, including everything in Safemove. It also covers damage during loading and unloading. This can be a huge benefit. Furthermore, it often includes coverage for damage caused by things like rain or other weather events. It’s a more comprehensive plan designed to protect your belongings from a broader range of potential risks.
Is there a deductible with Safemove?
Safemove typically does not have a deductible. This means that if you experience a covered loss, you will be reimbursed for the full amount of the damage, up to the coverage limits. This can be appealing. However, it is essential to review the policy details to confirm the specifics of the coverage and any potential exclusions.
Is there a deductible with Safemove Plus?
Safemove Plus usually has a deductible. This means you will need to pay a certain amount out-of-pocket before the insurance coverage takes effect. The deductible amount varies depending on the policy. Therefore, it is important to understand the deductible amount. This will help you manage your financial responsibility in case of a covered loss.
How much does Safemove cost?
The cost of Safemove is generally lower than Safemove Plus. The premium is often based on the rental equipment used and the distance of your move. The exact price will be provided at the time of rental. It’s designed to be an affordable option for those seeking a basic level of protection for their belongings during a move.
How much does Safemove Plus cost?
Safemove Plus is more expensive than Safemove. The premium is typically a percentage of the rental cost. This higher price reflects the more comprehensive coverage offered by the plan. The cost will vary depending on the details of your move and the value of your possessions. It’s a trade-off for increased peace of mind.
How do I file a claim?
To file a claim with either Safemove or Safemove Plus, you typically need to contact U-Haul’s claims department. You will need to provide documentation, such as photos of the damage, receipts for the items, and the rental agreement. The process usually involves filling out a claim form and submitting it. Follow instructions carefully.
Final Verdict
Safemove offers basic, cost-effective protection, suitable for budget-conscious movers with minimal risks. Safemove Plus provides more comprehensive coverage, including loading/unloading and weather-related damage, for those prioritizing peace of mind and protecting valuable items. The choice depends on individual needs and the value of your possessions.
Winner: Safemove Plus