When it comes to moving, most people think about boxes, trucks, and checklists. However, insurance is often an afterthought… until something breaks. The truth is, understanding your insurance options is key to protecting your belongings and your peace of mind.
At Movers USA, we’re committed to transparency and protection every step of the way. Here’s what you need to know about moving insurance, your options, and what coverage means for your move.
1. 🎯 What Is Moving Insurance?
Movers refer to “moving insurance” as basic moving coverage—a type of protection that defines how much a mover is responsible for if your belongings are lost or damaged during a move.
That said, it plays a similar role in ensuring you’re compensated if something goes wrong.
2. 🧾 Types of Basic Moving Coverage
📦 Cost: Free (included by law in all interstate moves)
- Cost: Free (included by law in all interstate moves)
- Coverage: 60 cents per pound, per item
- Best for: Low-value or replaceable items
- Drawback: If your 10 lb. flat-screen TV gets damaged, the mover will only pay you $6.00 for the damaged item.
🔐 Full Value Protection (Upgraded)
- Cost: Varies based on total value declared
- Coverage: Full replacement value, repair, or cash settlement
- Best for: High-value items or full household coverage
- Benefit: As a result, you’re protected for the real value of your belongings.
👉 At Movers USA, We tailor Full Value Protection options to match your inventory. Talk to your move coordinator about your coverage needs.
📞 Request a free moving quote to discuss options.
3. 📝 Do You Need Third-Party Moving Insurance?
You can purchase third-party insurance if you want more protection, especially for:
- High-value or irreplaceable items
- Long-distance or cross-country moves
- Situations involving storage or delays
🔗 Learn more about optional third-party policies through providers like Baker International or MovingInsurance.com.
4. 🧐 What to Ask Before You Choose
Before selecting a protection plan, ask your mover:
- What does the basic coverage include?
- What are the upgrade options?
- Are there any exclusions (antiques, artwork, electronics)?
- How are claims filed and processed?
📦 Learn more about how Movers USA handles valuable items on our Packing Services page.
5. 🚫 What Isn’t Covered?
Unfortunately, even the best protection plans have limits. Most basic moving coverage (and third-party insurance) won’t cover:
- Items packed by the customer (unless inspected)
- Damage from natural disasters (floods, fires, etc.)
- Jewelry, cash, or documents
- Delays due to acts of God or force majeure
📄 Make sure you read the fine print and ask your mover questions before moving day.
6. 🛡️ How Movers USA Keeps Your Belongings Safe
At Movers USA, we do more than move—we protect. That includes:
- Meticulous packing with premium materials
- Custom crating for high-value items
- Optional Full Value Protection
- Real-time inventory tracking
- Secure storage options
🔒 Need temporary or long-term storage? Explore our Storage Services.
Final Thoughts: Don’t Skip the Coverage
Even the most careful movers (and we are careful) can’t control everything. From potholes to weather delays, the unexpected happens. Choosing the right protection ensures your move is backed by security, confidence, and support—no matter what comes your way.
📦 Ready to plan a safe, secure move? Get your free quote today and let’s talk about the best coverage for your move.
Want more expert moving insights? Visit the Movers USA Blog for tips, checklists, and everything you need for a stress-free move.
