Moving Protection and Insurance -

There is no moving company can offer you a moving insurance without a policy in your hand, moving companies do not sell moving insurance but they offer moving protection which is a pit different, by the Department of Transportation new law in May 15 2014 all interstate moving companies have to offer clients moving protection coverage, there is 2 type of moving protection that movers can offer you 1) Basic Liability Coverage or release value to 60 cent per pound per article or 2) Full Value Protection, this coverage and charge rate is set up by the moving company tariff, but it have to be equally to a minimum of $6 per pound with a minimum of 1000 pound, all interstate moving companies have to have the below notice in their contract, order for service or bill of lading without any change in font color or size, it have to be black in size of 12 px.

Interstate Movers Coverage Notice by Department of Transportation

WARNING: If a moving company loses or damages your goods, there are 2 different standards for the company’s liability based on the types of rates you pay. BY FEDERAL LAW, THIS FORM MUST CONTAIN A FILLED-IN ESTIMATE OF THE COST OF A MOVE FOR WHICH THE MOVING COMPANY IS LIABLE FOR THE FULL (REPLACEMENT) VALUE OF YOUR GOODS in the event of loss of, or damage to, the goods. This form may also contain an estimate of the cost of a move in which the moving company is liable for FAR LESS than the replacement value of your goods, typically at a lower cost to you. You will select the liability level later, on the bill of lading (contract) for your move. Before selecting a liability level, please read “Your Rights and Responsibilities When You Move,” provided by the moving company, and seek further information at the government website

Released Value – Basic Liability Coverage

Release value coverage or basic liability option is a free coverage that you may choose if you do not want to pay extra for coverage so you release your shipment to be covered by 60 cent per pound per article which mean for example if you have a table that weight a 100 pound and was damaged during the interstate move, the moving company can reimburse you $60 only for this item even if your table cost you a $500.
There is no additional charge for Released Value. However, you must sign a specific statement on the bill of lading or contract agreeing to it. But remember, it compensates you according to the weight of the item, not its actual value. And, if you do not select Released Value, your shipment will automatically be transported at the Full Value Protection level of liability and you will be assessed the applicable charge.

Full Value Protection

Under Full Value Protection, your moving company is liable for the replacement value of lost or damaged goods in your entire shipment. This is the more comprehensive plan available for the protection of your belongings. Unless you select the alternative level of liability described below—Released Value—your mover will transport your shipment under the Full Value Protection level of liability. If any article is lost, destroyed or damaged while in your mover’s custody, your mover will, at its discretion, offer to do one (1) of the following for each item:

  • Repair the item
  • Replace with a similar item
  •  Make a cash settlement for the cost of the repair or the current market replacement value

Under this option, movers are permitted to limit their liability for loss or damage to articles of extraordinary value, unless you specifically list these articles on the shipping documents. An article of extraordinary value is any item whose value exceeds $100 per pound (i.e., jewelry, silverware, china, furs and antiques). Ask your mover for a written explanation of this limitation before your move.
The exact cost for Full Value Protection varies by mover and may be subject to various deductible levels of liability that may reduce your cost. Ask your mover for written details of their Full Value Protection plan.

Third-party Relocation Insurance

If customer chooses the release value option can also have the option of purchasing moving insurance from a third-party moving insurance company. Before purchasing relocation insurance, check your homeowner’s insurance policy to see if you’re already covered.

Moving Insurance | Relocation Protection | Interstate Moving Companies

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