Understanding Moving Insurance Coverage

Moving day is filled with action—packing, loading, unloading—but one of the most important parts often gets overlooked: moving insurance. Whether you’re relocating across town or across the country, having the right coverage ensures your belongings are protected in case of unexpected damage, loss, or delays.

At United Local Movers, we believe every client should understand their options before signing a contract. In this guide, we’ll break down the types of moving insurance, what they cover, and how to choose the right plan for your move.

What Is Moving Insurance?

Unlike car or home insurance, moving insurance isn’t about covering theft or natural disasters—it’s specifically designed to protect items during transit. It gives you financial protection if something is damaged, lost, or broken while being handled by your moving company.

There are two main types of liability coverage offered by movers, plus optional third-party policies that provide more comprehensive protection.

Types of Moving Company Insurance Coverage

1. Released Value Protection (Basic Liability)

This is the standard level of protection all licensed movers must offer at no extra charge. However, it only provides minimal reimbursement per pound, not actual value.

• Coverage: Usually $0.60 per pound per item
• Example: A 50-pound TV would be covered up to $30
• Cost: Included in your base moving fee

Best for: People moving non-valuable or easily replaceable items who want basic legal protection without added cost.

2. Full Value Protection (FVP)

This premium coverage offers full repair, replacement, or cash settlement for any lost or damaged item. It’s ideal if you have expensive or sentimental pieces.

• Coverage: Full current value of the item
• Limitations: May require listing high-value items separately
• Deductibles: Some plans include small deductibles to reduce premiums

Best for: Families moving furniture, electronics, antiques, or other valuable possessions.

3. Third-Party Moving Insurance

If you need broader protection—like coverage for theft, fire, or extreme weather—you can purchase an additional policy from independent providers like MovingInsurance.com, Baker International, or even through your homeowner’s insurance.

• Coverage: Can include total replacement, accidental damage, and unforeseen risks
• Cost: Based on declared value and risk level
• Flexibility: Often allows for higher limits and special conditions

Best for: Long-distance moves, international relocations, or clients with high-value collections, artwork, or specialty items.

Common Exclusions in Moving Insurance

Even with insurance, certain situations may not be covered unless clearly discussed and documented ahead of time:

• Customer-packed boxes: Damage claims are harder to prove without professional packing documentation
• Natural disasters: Only covered under third-party policies
• Pre-existing damage: Not covered unless proven to be caused during the move
• Undeclared valuables: Jewelry, cash, collectibles, and fragile items must be listed explicitly

Always read the fine print and ask questions before finalizing your moving agreement.

How to Document Your Belongings for Claims

Proper documentation makes filing a claim much easier. Here’s what to do before your move:

• Create an inventory list: Include descriptions, condition notes, and values
• Take photos or videos: Capture each item before packing for proof of condition
• Keep receipts: For electronics, furniture, or anything with significant value
• Label carefully: Mark “fragile,” “valuable,” or “do not stack” on relevant boxes

These steps help ensure smooth processing if a claim becomes necessary after your move.

Filing a Claim: What to Expect

If your items arrive damaged or go missing, follow these steps to file a claim:

1. Note damage immediately: Point out issues on delivery paperwork
2. Contact the mover: Most companies allow up to 9 months for reporting
3. Submit documentation: Photos, receipts, and written details about the item
4. Wait for review: The process typically takes several weeks

At United Local Movers, we make the claims process as clear and stress-free as possible—because we believe in accountability and customer care.

Why Choose United Local Movers for Your Relocation

We don’t just transport your things—we protect them. At United Local Movers, we offer both Released Value and Full Value Protection plans, and our team is trained to handle everything from everyday household goods to delicate heirlooms and large appliances.

Our commitment includes:

• High-quality padding, wrapping, and lifting tools
• Transparent communication about coverage and limitations
• Clear guidance on documenting and declaring valuables
• Trained crews who treat your items like their own

Need Extra Time Before Settling In?

Sometimes, your new space isn’t ready yet—or you’d prefer to take a breather before unpacking. That’s where our temporary storage solutions come in handy.

We offer secure, affordable short-term storage so you can move on your schedule—not someone else’s. Whether it’s for a few days or a few weeks, we give you peace of mind knowing your items are safe and accessible when you’re ready.

Final Thoughts

Moving insurance isn’t just for luxury homes or rare collections—it’s for anyone who wants to protect their investment and emotional well-being during relocation.

Ask your movers about available insurance options, document your items thoroughly, and choose the plan that fits your needs. With proper preparation and support from United Local Movers, your move can be worry-free from start to finish.