The Big Misconception: "Am I Automatically Insured?"
This is the most common question we hear. The short answer is: No, not exactly.
By law, moving companies in the USA do not sell "Insurance." We provide "Valuation Coverage." It sounds like a technicality, but the difference impacts your wallet.
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Insurance: Provided by a 3rd party company.
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Valuation: The level of liability the moving company accepts if items are damaged.
At EZ Moveit, we offer transparent coverage options. You must select one before your move begins. Here is a comprehensive guide to help you choose the right protection.
Option 1: Released Value Protection (The "Free" Option)
Released Value Protection (RVP) is the minimum level of liability mandated by federal law. It comes free of charge with every move, but the protection is minimal.
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Cost: $0 (Free).
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Coverage: 60 cents per pound per article.
The Math (Why this is risky)
Imagine you have a 50-inch 4K TV that weighs 30 pounds and costs $1,000. If it is dropped and destroyed during the move:
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Calculation: 30 lbs x $0.60 = $18.00
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You receive: $18.00
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You lose: A $1,000 TV.
Verdict: This option is suitable only if you are moving low-value items (books, clothes, older furniture). It is very risky for electronics, art, or high-end households.
Option 2: Full Value Protection (The "Recommended" Option)
Full Value Protection (FVP) is the comprehensive option. It costs extra, but it provides real security for your investment.
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Cost: varies based on the declared value of your shipment and the deductible you choose.
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Coverage: Repair, Replacement, or Full Market Value.
How it Works
If an item is lost, damaged, or destroyed, the mover has three options:
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Repair the item to its original condition.
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Replace the item with a similar one.
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Pay you the current market value of the item.
Understanding the Deductible
Just like car insurance, FVP often comes with a deductible (e.g., $0, $250, or $500). This is the amount you pay out-of-pocket before the carrier’s coverage kicks in.
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Higher Deductible: Lowers the upfront cost of your plan.
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Lower Deductible: Reduces your personal financial risk if a claim is filed.
Verdict: Highly recommended for [Long Distance Moves], interstate hauling, and homes with valuable furniture.
Important Rules & "The Fine Print"
Even with Full Value Protection, specific protocols must be followed to ensure your items are covered.
1. The "High-Value" Inventory Rule ($100/lb)
Do you have items worth more than $100 per pound?
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Examples: Jewelry, silverware, furs, antiques, high-end electronics, computer chips.
You must declare these items in writing on the "High-Value Inventory Form" before the move. If you pack them in a generic box labeled "Stuff" and do not list them on this specific form, the carrier’s liability is limited to basic coverage levels.
2. The DIY Packing Risk (PBO)
If you choose to pack your own boxes (PBO - Packed by Owner), the mover is generally not liable for internal damage (e.g., broken glass inside) unless the box shows visible external crushing or damage. Recommendation: To ensure full coverage for fragile items (china, crystal, mirrors), use our professional [Packing Services].
3. Documentation is Key
Before loading begins, we recommend you:
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Take detailed photographs of valuable furniture.
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Record video of electronics working.
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Capture a general overview of each room.
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Why? Accurate documentation simplifies the claims process and protects your interests if a dispute arises.
Which Option is Right for Me?
Not sure which path to take? Use this simple breakdown.
Choose "Released Value" (Free / 60 cents) if:
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Budget is #1: You want to pay $0 for protection.
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Low Value: You are mostly moving books, clothes, or older IKEA furniture.
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DIY Packer: Since you are packing boxes yourself, liability is already limited.
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Peace of Mind: Low. You accept the risk of receiving ~$18 for a broken TV.
Choose "Full Value Protection" (FVP) if:
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Moving Interstate: Long-distance moves involve more handling (trucks, warehouses), so the risk is higher.
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Valuable Assets: You own expensive electronics, solid wood furniture, or antiques.
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Guarantees: If something breaks, you want it fixed or replaced, not just paid out by weight.
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Peace of Mind: High. You can relax knowing your shipment is fully protected.
Frequently Asked Questions
Does my Homeowners Insurance cover moving?
Maybe. Call your agent. Some policies cover items in transit, but many do not. Never assume you are covered without checking.
Can I buy insurance only for my TV?
Usually, no. Valuation coverage applies to the entire shipment (all items on the truck). You generally cannot "cherry-pick" individual items for Full Value Protection while leaving the rest at Released Value.
What about Third-Party Insurance?
If you have items of extraordinary value (e.g., a $50,000 painting), carrier valuation might not be enough. In this case, we recommend purchasing a separate policy from a third-party insurance provider. This often covers "Acts of God" (storms, earthquakes) which standard valuation excludes.
What if I notice damage later?
By law, you have 9 months to file a claim for an interstate move. However, we strongly recommend noting any visible damage on the Inventory Sheet or Delivery Receipt immediately upon arrival.
Move with Confidence
At Ez Moveit, we treat your items like our own. But for the unexpected, we offer coverage that fits your budget.