Moving insurance explained: what is actually covered
Last updated 2026-07-10 ยท MovePlan Editorial Team
Mover insurance is federally regulated and confusing. The free coverage is nearly worthless; full-value protection is real.
- Step: Released value (free) = $0.60/lb. Almost useless
- Step: Full value protection = item replacement at current value. Recommended
- Step: Third-party insurance = independent coverage on top
- Step: Compare deductibles and exclusions before signing
Insurance types and what to choose.
When: Decide before pickup. Movers will ask you to declare value on the bill of lading.
Watch out: Self-packed boxes are often excluded from claims. If movers do not pack it, they may not cover it.
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