Yes, it is covered by your home policy, but you might consider, if the rate was affordable, taking out the insurance from the movers so that you could keep your home policy claims free. It’s a similar idea as renting a car; you might consider buying the rental car insurance just so you can keep your own policy clean. If you do hire movers or contractors do make sure they are insured and ask for a certificate of insurance to make sure they won’t disappear in the night if they do serious damage.