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Yes, moving a piano often causes it to become out of tune, even if you're not moving the piano very far. One reason is that any temperature and humidity changes can affect a piano's tuning. Additionally, the bumps and jolts from a moving truck usually push a piano out of tune. 

However, don't jump right to tuning it once the piano gets to your new home. Instead, it's best to wait at least two weeks for the instrument to acclimate to its new environment. After a couple weeks, you'll get an idea of what the piano will really sound like in its new home, at which point you can call a piano technician to get it properly tuned.

Movers calculate a moving estimate through various methods, including flat fees, estimated weight, amount of space taken up in the moving truck, or a combination. Read the estimate carefully, including parts of the contract that cover mover liability, how and when movers arrive, and other information. The best estimates include an itemized list with fees for fuel, especially large items, packing and unpacking, storage services, and more.

Moving insurance helps protect your belongings from damage or loss during the moving process. This policy can help reimburse you either part of or the total amount of your belongings that become damaged during the moving process. Moving insurance has three main options: full value protection, released value protection, and third-party or separate liability coverage. Speak with your moving company to determine what is covered under each policy and their cost to determine the best fit for your needs. 

No, homeowners insurance does not typically cover moving expenses. Homeowners insurance provides coverage and pay-outs if you experience damage to the home you currently live in. You’ll need to save separately for moving expenses like hiring movers, renting a tow truck, or shipping your belongings.