As the name suggests, transit insurance protects you from any damage during transit or transportation. This means, damage caused to your good during transportation is covered in transit insurance. It also means any damage which was caused before or after transportation, won’t be covered. So if there is damage while loading or unloading, you won’t get compensated for that if you have opted for transit insurance.
You can directly take transit insurance for moving your household goods from general insurance companies or the movers and packers you have hired can also help you obtain the transit insurance. Remember to collect original bills and insurance certificate from the insurer (insurance providers), if your mover is buying insurance on your behalf.