Oct 31, 2025 | English
Do You Really Need Moving Insurance in 2025?
When you move, your belongings go through a lot — packing, lifting, loading, and long drives. Even with the best movers, accidents can happen. That’s where moving insurance comes in. It protects your items from loss or damage during the move. But not all coverage is the same.
Let’s break down what moving insurance really covers and what you should look out for.
What Is Moving Insurance?
Moving insurance isn’t the same as your homeowner’s or renter’s policy. It’s a type of protection offered by moving companies or third-party insurers. It covers your belongings if they get lost, damaged, or destroyed during transport.
Every licensed moving company in the U.S. must offer some form of liability coverage. However, it’s not always full replacement coverage — and that’s where many people get confused.
Two Main Types of Moving Coverage
When you hire a professional mover, you’ll usually be offered two coverage options:
1. Released Value Protection (Basic Coverage)
- This is free and comes with every move.
- The mover is responsible for up to 60 cents per pound per item.
- Example: If your 50-pound TV breaks, you’d get $30 in compensation.
It’s minimal coverage and doesn’t reflect the item’s actual value. If you’re moving high-value items, this won’t be enough.
2. Full Value Protection (Comprehensive Coverage)
- This is paid coverage, but it offers more protection.
- The mover must either repair, replace, or pay the item’s full value if it’s lost or damaged.
- Cost depends on your shipment’s total value, usually about 1% of the item value.
It’s a better option if you’re moving expensive furniture, electronics, or antiques.
Third-Party Moving Insurance
You can also buy extra coverage from a third-party insurer.
This is useful if:
- Your mover only offers limited protection
- You have high-value belongings
- You want coverage for natural disasters or accidents
Third-party plans often cover things movers don’t, like water damage, mold, or theft during storage.
What’s Actually Covered?
Here’s what most moving insurance policies cover:
- Lost items – If your items go missing in transit.
- Damaged items – Covers breakage, dents, or scratches.
- Theft – If items are stolen during the move.
- Accidents – Protection in case of truck accidents or mishandling.
- Loading and unloading – Some policies cover damages during handling.
Always read the fine print. Each company defines “covered loss” differently.
What’s Not Covered?
Many people assume insurance covers everything — it doesn’t.
Here’s what most policies exclude:
- Items you packed yourself (unless inspected by the mover)
- Damage from natural disasters like floods or earthquakes
- Items of extraordinary value not listed in advance
- Normal wear and tear
- Pre-existing damage
- Delays or minor scuffs on boxes
If you’re moving artwork, jewelry, or collectibles, declare them separately for extra coverage.
Homeowners and Renters Insurance
Some homeowners or renters insurance policies cover items during a move — but only partially. Coverage often applies only while your belongings are inside your home or en route, not in storage. Call your insurance provider to check what’s included before you move. You might be able to extend coverage temporarily for your relocation.
Interstate vs. Local Moves
Coverage rules change depending on your move type:
- Local Moves (Within State): Rules vary by state. Movers set their own liability terms.
- Interstate Moves (Across States): Movers must follow federal DOT regulations and offer both released and full value protection.
Always check your mover’s USDOT registration and insurance certificates before booking.
How to File a Claim?
If something gets damaged, here’s what to do:
- Document everything. Take photos before and after the move.
- Note damages on your delivery receipt before signing.
- File a claim within the time limit — usually 9 months from delivery.
- Provide receipts or proof of item value if requested.
Most movers will try to settle claims quickly, but written records help your case.
Tips for Choosing the Right Coverage
- Ask upfront what’s included in your mover’s insurance.
- List high-value items in writing.
- Compare options between mover and third-party providers.
- Read reviews of how companies handle claims.
- Don’t rely on verbal promises — always get it in writing.
Even if you’re hiring a reputable moving company, insurance gives peace of mind that your belongings are protected.
Final Thoughts
Moving insurance isn’t just another fee — it’s your safety net. Whether you’re moving across town or across the country, unexpected things can happen. Basic coverage may be fine for small, local moves. But if your home is filled with valuable or sentimental items, full-value protection or third-party insurance is worth every dollar.
In 2025, when moving costs are rising, protecting your belongings is a smart move. The right insurance helps you start fresh — without worrying about what might break along the way.