Insurance relies on the quantity of luggage and the distance traveled. In-Transit Insurance is the best option if you are moving within your city. It will cost 1% of declared luggage. It only covers the damage during delivery.
For long-distance moving, always take Full Value Moving Insurance. It covers the damage, loss, accident, and mishandling of luggage from packing to unloading. It costs 1-3% of total household luggage.