How moving insurance works: interstate movers must offer two levels of protection. Released value is free but pays only 60 cents per pound. Full value protection costs more but covers repair, replacement or current value.
What most people call “moving insurance” is actually the mover’s liability, called valuation, which federal rules set for interstate moves. Here’s how each option works, what it costs, what isn’t covered, and when to buy extra coverage.
Compare Mover QuotesYour Two Coverage Options for Interstate Moves
| Full value protection | Released value protection | |
|---|---|---|
| What it pays | Repair, replacement or current market value of lost or damaged items | 60 cents per pound, per item |
| Cost | Extra; varies by mover, declared value and deductible | No extra charge |
| Default? | Yes, unless you waive it in writing | Only if you sign a waiver choosing it |
| Example: 50-lb TV destroyed | Repair, replacement or its value | $30 |
| Best for | Almost any household move | Low-value shipments you’re comfortable risking |
Full Value Protection, Explained
With full value protection, the mover is liable for the replacement value of lost or damaged goods, up to the declared value of your shipment. The mover can choose to repair the item, replace it with a similar one, or pay you its current market value.
- List high-value items. Items worth more than $100 per pound, such as jewelry, art, collectibles and some electronics, must be listed on your shipping documents. Otherwise the mover’s liability for them may be limited.
- Choose a deductible. Many movers offer lower prices in exchange for a deductible.
- Get the price in writing with your estimate.
What Moving Coverage Usually Doesn’t Cover
- Boxes you packed yourself, if the outside of the box isn’t damaged.
- Items you didn’t declare, especially high-value items not listed on the inventory.
- Perishables, hazardous materials and items you weren’t allowed to ship.
- Some natural disasters and events beyond the mover’s control, depending on your contract.
- Belongings in third-party storage that isn’t part of the mover’s service.
Local and In-State Moves
Federal valuation rules apply to interstate moves. For moves within one state, coverage requirements are set by state law and vary widely. Ask your mover exactly what liability coverage is included, get it in writing, and consider separate insurance if it falls short.
Extra Coverage: Third-Party and Homeowners Insurance
Homeowners or renters insurance
Some policies cover belongings in transit, often with limits and a deductible. Call your insurer before the move.
Third-party moving insurance
Separate policies from insurance companies can cover risks the mover’s valuation doesn’t, which is useful for very valuable shipments.
Container and DIY moves
Portable container companies and truck rental companies offer their own optional coverage. See our PODS cost guide and U-Haul review.
How to Protect Your Belongings
- Photograph valuables and keep receipts or appraisals.
- Review the inventory at pickup and delivery, and note damage before you sign.
- Carry irreplaceable items yourself, such as jewelry, documents and family photos.
- Let the mover pack fragile items if you want them fully covered.
- Hire a reputable mover. Check its USDOT number and complaint history on the FMCSA website. See what to know before hiring movers.
If something goes wrong, see our guide to filing a moving damage claim.
Compare movers
Get quotes from vetted long-distance movers and ask each about valuation options.
Get Mover QuotesMoving Insurance FAQs
What is the difference between full value protection and released value?
Under full value protection, the mover must repair, replace or pay the current value of lost or damaged items. Released value protection comes at no extra charge but only pays 60 cents per pound per item. For interstate moves, full value protection is the default unless you sign a waiver choosing released value.
How much does full value protection cost?
Pricing varies by mover and depends on your shipment’s declared value and the deductible you choose. Ask for the cost in writing with your estimate, and compare deductible options.
Does homeowners or renters insurance cover a move?
Sometimes. Some policies cover belongings in transit, often with limits and a deductible. Call your insurer before the move to find out what’s covered.
Is mover’s valuation the same as insurance?
No. Valuation is the mover’s liability for your goods under federal rules. Separate moving insurance comes from a third-party insurer and may cover risks valuation doesn’t.
How long do I have to file a moving damage claim?
For interstate moves, you generally have nine months from delivery to file a written claim. The mover must acknowledge it within 30 days and pay, deny or make a settlement offer within 120 days.
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