There are two kinds of moving insurance, one is full value and the other is released value. While the former may be expensive and all, released value is the economical among the two. The reason why its cheaper is due to the fact that it does have any additional charges. However, it must be noted that the protection that is offers is very minimal. It is under this coverage that you agree to a 60 cents per pound for your item should something go wrong.
Signing a document called the bill of ,signing it means you agree to the terms. Inability or hesitation to sign it means your coverage is automatically upgraded to Full Value which is more expensive but offers more protection. If you are comfortable with the terms of Released Value, signing it as soon as you have the document should be as easy as pie.