The coverage of your furniture items depends on the type of moving insurance or valuation protection you have chosen for your move. When you hire a professional moving company, they typically offer basic transit insurancewhich covers for damage or loss in the event of fire,theft or the the unforseen event of the truck overturning. It's essential to understand what's covered by approaching the furniture removalist or insurance company if you decide to opt for third party insurance independent of the moving company.