Your removal company will likely have a haulage policy which includes goods in their care. However, it will have a limit to what it pays which will vary depending on the policy and is unlikely to cover the total of your possessions, especially any particularly expensive items. As previously mentioned, most home insurance policies will include ‘goods in transit’ which would provide cover for when you are moving home using a removals firm. In the unfortunate event of damage or a breakage during your move, you would be liable to claim on your home insurance policy if you were unable to apportion blame to the removals firm, or their limits were not high enough to cover the item in question. If you have claimed on your own policy, in some instances your insurer may choose to pursue the removal company for causing an insurance loss, this is termed as ‘subrogation’.