I recently moved locally in NYC from one apartment to another apartment. We submitted our original claim form with additional insurance. A representative got my wife on the phone and talked her out of it - saying it would be too expensive to get insurance, that even 'if the truck got on fire' you wouldn't receive that much back and so we should just go with the basic insurance and not waste our money. Well, since we were set to move the next day - she submitted as he suggested (he pressured her to get it in before he left at 4p or our move was at risk!).
We then had a $1600 TV break - which basic insurance covers 60c/lb. We got $39 back for it. The individual we dealt with will no longer call us back - the company says they have no incentive to help suggest changes in insurance and they did nothing wrong. The fact that the individual we used won't respond to us should tell you all you need to know about this incredibly shady moving company. We had several other things beaten up in the move - though that is typical - this is my 5th move within NYC. But a TV breaking? And of course the company assured my wife nothing ever breaks. Wish we had more time to vet these guys - we didn't - we were under some time pressure and made the wrong call with a very shady company who is arrogant and abusive over the phone. Don't get scammed by these guys.