Moving insurance
options
Know what each protection choice means before you sign. Mover valuation and a separate insurance policy are different—and the right questions can prevent surprises later.
Compare your options, review your paperwork, and tell us about items that need extra care.
Valuation is not insurance.
Valuation describes the mover’s contractual responsibility if belongings are lost or damaged. A separate insurance policy is issued by an insurer and has its own coverage terms. Review the written documents for your specific move.
Mover valuation
For interstate moves, federal rules require movers to offer Full Value Protection and Released Value. These are levels of mover liability, not insurance policies. The selection and terms appear in your moving paperwork.
Separate insurance
You may be able to buy a policy from a third-party insurer. Check the policy’s limits, exclusions, deductible, claims process, and whether your homeowner’s or renter’s policy already provides any coverage.
Three paths to consider.
The two valuation levels below describe federal interstate-move rules. Intrastate moves may be governed by different state rules, so ask which terms apply to your route and get them in writing.
Released Value
Basic, limited mover liability. For interstate moves it is no more than 60¢ per pound, per article—not the item’s purchase price or replacement cost.
Full Value Protection
For interstate moves, the mover is responsible under its written plan for repair, replacement with a like item, or a cash settlement at current replacement value, subject to the plan’s terms.
Third-party insurance
Optional coverage from an insurance company may be available. It is distinct from mover valuation, and the policy—not this page—defines what is covered.
For example, under interstate Released Value, the mover’s maximum liability for a 25-pound item would be $15 even if the item is worth much more.
Ask the questions that matter.
For interstate moves, Full Value Protection generally applies unless you select Released Value in writing. For moves within one state, rules can differ. Your estimate, bill of lading, valuation election, and any separate policy are the documents to review.
Tell your move coordinator about antiques, art, electronics, or other unusually valuable items. Ask how owner-packed boxes, pre-existing condition, and any deductible are handled under the option you select.
- Which rules apply to my move?
- What valuation level is listed on my paperwork?
- What are the cost, limits, and deductible?
- Do I need to declare high-value items?
- Who handles a claim, and by when?
Need to report loss or damage?
Document the issue, keep your moving paperwork, and submit the claim according to the applicable written terms. Our claims team can help you find the next step.
Learn more from the Federal Motor Carrier Safety Administration’s liability and protection guide. This page is a general overview; your signed documents and applicable law govern your move.
Let’s review your options.
Share your route and the items that matter most. We’ll help you understand the choices available for your move.