By 
When you hire a moving company, you trust them with your belongings. Even with careful movers, accidents can happen. A box can get crushed, a TV can break, or furniture can get scratched. That is why it helps to understand moving company “insurance.” In many cases, what movers offer is called valuation coverage, and it is not the same as regular insurance. Knowing the difference helps you protect your items and avoid surprises.
What “Valuation” Means in Moving
Valuation is the mover’s level of responsibility if something is lost or damaged. It is part of your moving contract. There are usually two main types:
- Released Value Protection: This is the basic option and is often included at no extra cost. It pays a set amount based on weight, not the item’s true value. So an expensive item may get a very small payout.
- Full Value Protection: This option costs more, but it gives stronger coverage. If an item is damaged, the mover may repair it, replace it, or pay you its value, up to the coverage limit.
Your mover should explain which option is included and what extra coverage costs.
What Moving Coverage Usually Does and Does Not Cover
Coverage often depends on how the damage happened. For example, movers may not cover damage from poor packing if you packed the box yourself. But if the movers packed it, they may be responsible.
Some items can also have limits or special rules, like jewelry, cash, important papers, or very high-value items. Many moving companies require you to list these items ahead of time. If you do not, the claim may be denied or limited.
Always read your moving paperwork so you know what is covered.
How to Protect Yourself Before Moving Day
You can lower risk with a few simple steps:
- Take photos of high-value items before the move
- Keep receipts or proof of value for expensive items
- Ask about special packing for TVs, art, and fragile pieces
- Label boxes clearly and mark fragile items
- Keep valuables with you instead of on the truck
These steps also make it easier to prove the condition and value of your belongings.
How the Claims Process Works
If something is damaged, report it as soon as possible. Many movers have deadlines for filing a claim. You may need:
- Photos of the damage
- A list of missing or damaged items
- Proof of value, like receipts
- A copy of your moving contract
After you file, the company reviews the claim and offers a settlement based on your coverage type.
Get Help You Can Trust with VIP Moving
Moving coverage can be confusing, but the right mover will explain it clearly and help you choose the best protection. If you want a team that handles your belongings with care and supports you through every step, get the service from VIP Moving. We walk you through valuation options, help you plan, and make sure we deliver a move that is safe, smooth, and handled the right way from start to finish.
This post was written by a professional at VIP Moving. Make your next move effortless with VIP Moving, your trusted moving companies in Greenwood TX. We provide top-quality residential and commercial moving services with a personal touch—fast, reliable, and stress-free. Our experts specialize in luxury item moving, including antiques, pianos, and high-value possessions, ensuring your valuables are handled with care. From packing and unpacking delicate items to full-service relocation, we make your move seamless from start to finish. Your move, our priority!
Comments