Protect your belongings during your move
This is the minimum coverage required by law. It's free but only covers $0.60 per pound per article. For example, a 50-pound TV would only be covered for $30.
Cost: Free | Coverage: Minimal
Covers the full replacement value of damaged or lost items. The mover is responsible for repairing, replacing, or reimbursing you for the full value.
Cost: 1-2% of declared value | Coverage: Comprehensive
Purchased separately from an insurance company. Often more comprehensive and may cover things movers' insurance doesn't, like damage during packing.
Cost: Varies | Coverage: Customizable
Take photos of any damage as soon as you notice it. Don't wait - most policies have time limits for filing claims.
Check your moving contract for specific claim procedures and deadlines. Most require claims within 9 months of delivery.
Collect photos, receipts, appraisals, and any other proof of value. Create an inventory of damaged items.
Submit your claim in writing to the moving company. Include all documentation and be specific about damages.
Keep records of all communications. If the mover doesn't respond, you can file a complaint with the FMCSA.