If you have renters or homeowners insurance, then your belongings are insured when they're at your home, but not when they're on the road between homes. So for a long commute, you might want to consider purchasing moving or relocation insurance. Unless you pay the movers to pack your belongings, it's unlikely that they will be insured against breakage caused by improper packing. If you want to ensure coverage for broken items, you can always ask the movers to pack your belongings. There are several types of insurance packages to purchase. The moving company is liable for a certain dollar amount multiplied by the weight of the shipment, up to a certain amount.