Valuation Coverage Options

Protect your belongings during your interstate move

Federal law requires interstate movers to offer two levels of liability coverage (valuation) for your household goods. Understanding these options helps you make an informed decision about protecting your belongings.

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Important Note

Valuation is NOT insurance. It's the mover's liability for loss or damage. You may also want to check with your homeowner's or renter's insurance about coverage during a move.

Compare Your Options

Released Value Protection

Basic Coverage

Included

No additional charge

  • ✓ Automatically included with your move
  • ⚠ Liability limited to $0.60 per pound per article
  • ⚠ Based on weight, not value
  • ⚠ Minimal protection for valuable items
  • ✓ Best for low-value shipments or when covered by other insurance

Full Value Protection

Comprehensive Coverage

Recommended

Based on declared value

  • ✓ Carrier liable for replacement value of lost/damaged items
  • ✓ Option to repair damaged items
  • ✓ Cash settlement at current market value
  • ✓ Choose your deductible to lower cost
  • ✓ Peace of mind for valuable belongings

Example: 50-inch TV Lost (Weight: 50 lbs, Value: $800)

Released Value

50 lbs x $0.60

$30.00

You receive

Full Value Protection

Replacement value (minus deductible)

$800.00

You receive

Full Value Protection Details

Declared Value

You must declare the total value of your shipment. The minimum declared value is $6.00 per pound times the weight of your shipment. For example, a 5,000 lb shipment would have a minimum declared value of $30,000.

Deductible Options

You can choose a deductible to reduce your Full Value Protection cost. The deductible is the amount you pay before coverage kicks in.

Deductible Premium Reduction Best For
$0 (Zero Deductible) Full premium Maximum protection, no out-of-pocket
$250 Moderate savings Balance of cost and coverage
$500 Greater savings Lower premium, willing to share risk

Cost of Full Value Protection

The cost is calculated based on the declared value of your shipment and the deductible you choose. Contact us for a specific quote based on your shipment.

Items of Extraordinary Value

Items valued at more than $100 per pound must be specifically listed on the "Articles of Extraordinary Value" form. Examples include:

  • Jewelry and watches
  • Furs
  • Antiques and artwork
  • Collectibles (coins, stamps, etc.)
  • Electronics (computers, cameras)
  • Crystal and china
  • Musical instruments

Important: If high-value items are not listed, the mover's liability is limited to $100 per pound for those items.

Exclusions

Neither coverage option covers:

  • Items packed by owner (PBO) unless visible external damage
  • Mechanical or electrical malfunction of appliances
  • Pre-existing damage
  • Items listed on the inventory as damaged before the move
  • Loss or damage due to acts of God

Filing a Claim

To file a claim for loss or damage:

  1. Note any damage on the delivery inventory before signing
  2. Take photos of damaged items
  3. Submit a written claim within 9 months of delivery
  4. Include item descriptions, photos, and estimated value

We will acknowledge your claim within 30 days and provide a resolution within 120 days.

Questions?

Our team is happy to explain your valuation options and help you choose the right coverage for your move.

Worry Free Moving LLC
Phone: 330-435-8686
Email: service@worryfreemovers.com

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