You hire a professional moving company to pack and move your household goods on January 1st. You plan to move from New York to London on March 15th, or within 2.5 months. You purchase a Gold Coverage policy.

Your shipment arrives to London on February 2nd and is stored at the moving company’s storage facility until your expected arrival in March. On March 5th, you decide to postpone your arrival from New York until April 15th.

Since more than 90 days will have elapsed from January 1st to April 15th, you extend storage coverage by one month* from April 1st to May 1st in order to maintain insurance coverage for your household goods. On April 28th, your moving company’s warehouse experiences a fire and your entire shipment insured for $80,000 is completely destroyed. You would be entitled to $80,000, less any applicable deductible.