How Moving Insurance Works

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How Moving Insurance Works

How Moving Insurance Works

If there is one thing that is certain as we go about our daily activities, it is that we are faced with many uncertainties. Many individuals opt to have insurance cover for what matters most to them. This should also apply when you are making a long distance move. You might be having some valuable possessions that may be exposed to risks such as loss or breakage while making your move. These need to be covered. Credible movers like A1 Auto Transport provide moving insurance, as required by law.

What is moving insurance?

Moving insurance is something that most movers are not fully familiar with. Some may ask the moving company if they provide insurance but fail to clarify the type of insurance they have and its coverage.

Moving insurance is a policy offered by moving companies for any loss or damage that may happen while goods or valuables are in transit. The cover may be determined by the value of the damaged goods or by its weight.

Types of moving insurance

There are two types of moving insurance coverage:

  • Released value protection: This is an insurance coverage that is generally the less expensive type. With this cover, 60 cents are paid for every pound of a valuable that is damaged or lost while in-transit.
  • Full-value protection: Under this type of insurance cover, the moving company has 3 options when a valuable gets lost or damaged. They are expected to: Pay for it, repair it or replace it.

A-1 Auto Transport can help you move your household goods nationwide. Call 888-509-3213 to get a free, no obligation to buy price quote on interstate moving services.

How moving insurance works

Moving insurance works differently depending on your current situation.

Homeowners insurance

In case you have homeowners insurance cover that is in effect during the period in which you are making the move, your property will be insured against any risks that may occur while they are in the possession of the moving company. However, such an insurance cover is limited to cater to catastrophic loss. You may seek further clarification from your homeowners’ insurance provider before you make your move.


When you hire a moving truck, you may not expect to be covered against losses or damage that may occur during your move. However, some companies that hire out their vehicles for self-moves may provide insurance that covers catastrophic loss. You may get in touch with the company so as to get clarification on the insurance provided.

Moving companies

While hiring the services of a moving company assures you that your belongings will be handled by an experienced team, damage and loss could also occur. Therefore it is good to find out if the company has insurance to cater for this. Also find out the specific type of insurance cover they provide.

When you are faced with an upcoming move, you need to make calculated moves and take action based on well-informed decisions. It is good to know how moving insurance works and which option will be the best for you as you make your long distance move. Do not let your goods be ferried without insurance. It is not worth the risk.

Joe Webster

Written by Joe Webster

Joe Webster began his journey in the auto transport field by attending the University of Southern California (USC), where he graduated with a Bachelor of Business Marketing.

After college, he started his career in the auto transport industry from the bottom up and has done virtually every job there is to do at A-1 Auto Transport, including but not limited to: Truck Driver, Dispatch, Sales, PR, Bookkeeping, Transport Planner, Transport Manager, International Transport Manager, Brokering, Customer Service, and Marketing. Working with his mentor Tony Taylor, Joe Webster has learned the ins and outs of this industry which is largely misunderstood.

With over 30 years experience in the industry, we've been helping people ship their vehicles, motorcycles, RV's, heavy equipment, household goods and more across the country or overseas without a hitch. Ask us anything.

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