Moving Insurance: What Coverage Do You Actually Need?

Moving Insurance: What Coverage Do You Actually Need?

One of the most overlooked aspects of moving is insurance coverage. Understanding your options can save you thousands if something goes wrong.

Types of Moving Coverage

Released Value Protection (Basic)

• Free — included with every move
• Covers items at $0.60 per pound
• Example: A 50-lb TV worth $1,000 would only be covered for $30
• Minimum legal requirement for movers

Full Value Protection

• Paid option — costs vary by company and declared value
• Mover must repair, replace, or reimburse at current market value
• Much better protection for valuable items
• May have a deductible

Third-Party Moving Insurance

• Purchased independently from insurance companies
• Can provide comprehensive coverage
• Fills gaps that mover's liability doesn't cover
• Worth considering for high-value moves

What's Typically NOT Covered

• Items you packed yourself (unless the mover packed them)
• Pre-existing damage
• Hazardous materials
• Cash, jewelry, and important documents (unless declared)
• Damage from natural disasters

How to Protect Yourself

1. Document everything: Photos and video before the move
2. Declare high-value items: Over $100/pound in value
3. Read the fine print: Understand deductibles and exclusions
4. Check homeowner's/renter's insurance: Some policies cover moves
5. Get it in writing: Ensure coverage terms are in your contract

Filing a Claim

• Report damage immediately upon delivery
• Note damage on the bill of lading before signing
• File a written claim within 9 months
• Include photos, receipts, and repair estimates

Blue Dolly offers transparent liability options. Get a quote and ask about our coverage.