Moving Insurance & Protection

Protect your belongings during your move with the right insurance coverage. Understand your options and choose the protection that fits your needs.

Moving truck with insurance documents and protected items

Understanding Your Protection Options

Moving insurance protects your belongings during transport, but understanding your options can be confusing. Different coverage types offer varying levels of protection, and the right choice depends on the value of your items and your risk tolerance.

Professional moving companies are required to offer basic protection, but this minimal coverage may not adequately protect valuable items. Learning about available options helps you make informed decisions about the level of protection that makes sense for your specific situation.

Types of Moving Protection

Compare coverage options to find the right level of protection for your move

Basic Liability Coverage

Federally required minimum protection included with all moves. Provides basic coverage based on weight, not actual value of items.

  • Coverage: $0.60 per pound per item
  • Cost: Included with moving service
  • Best for: Low-value household goods
  • Limitation: Weight-based, not value-based

Full Replacement Coverage

Comprehensive protection that covers full replacement cost or repair of damaged items based on current market value.

  • Coverage: Full replacement or repair value
  • Cost: Typically 1-2% of declared value
  • Best for: Valuable household items
  • Benefit: Actual value protection

Third-Party Insurance

Additional coverage through specialized moving insurance companies for high-value items and comprehensive protection.

  • Coverage: Customizable protection levels
  • Cost: Varies by coverage amount
  • Best for: High-value or specialty items
  • Advantage: Enhanced coverage options

What You Need to Know

Important considerations when choosing moving insurance and protection

Coverage Decision Guide

How to choose the right protection level based on your specific situation

Basic Coverage Scenarios

When minimal protection might be sufficient for your moving situation and belongings.

  • Older furniture with low replacement value
  • College/temporary moves with few valuables
  • Short local moves with minimal risk
  • Budget-conscious moves with careful handling

Enhanced Coverage Scenarios

Situations where full replacement coverage provides better value and peace of mind.

  • Electronics, antiques, or artwork
  • Long-distance or international moves
  • High-value household belongings
  • Important family heirlooms or collections

Maximum Coverage Scenarios

When third-party insurance or specialized coverage is worth the additional investment.

  • Valuable art or collectibles
  • High-end electronics or appliances
  • Irreplaceable family heirlooms
  • Business equipment or inventory

Making Smart Coverage Decisions

Practical strategies for choosing appropriate protection levels

Need Help Choosing Coverage?

Our team can help you evaluate your protection needs and select the right coverage level for your specific situation.

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