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Insurance coverage is a must while sending household goods. In-spite of the best packing and safe transportation, factors beyond our control like accidents, fire, sabotage, riots etc can result in damages to the goods. Hence we repeat "Insurance is a must".
The commonly known insurance is the "Transit Insurance" where the premium comes to 1.2% on declared value. Here the compensation towards damages/loses are paid only if the vehicle meets with an accident.. Hence if there is no accident to the vehicle no claim for compensation can be made.
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The other type is called "comprehensive Insurance" where the premium is around 3%. Here the compensation is paid for any damages except for scratches. In case cover is required for glassware and crockery's this has to be specified and a small additional premium paid. This would be the best risk cover. However the customer is the master and his choice would be final.