My husband is moving my MIL the end of this month from northern California. He has done this before and always gets the insurance. It covers a variety of things, i.e., if they don't respond within three hours, take a taxi to the nearest hotel, enjoy dinner and a restful night's sleep. They delivered the truck to him the next morning. He was told that, if the truck could not continue, they would load it on a new truck. Now, I don't know how much of this is pure BS but, check it out!