Determine Whether You Should You Purchase Moving Insurance?

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Choose the right option for you to protect your belongings.

Purchasing Moving insurance


Mesa Moving and Storage would like our clients and customers to understand how valuation coverage options work and to provide the information needed so you can choose the right option for your move. No matter how smoothly the move goes it is always good to be prepared for accidents. Boxes can be bumped or dropped in transit no matter which company you go with. What can be controlled is what happens after.


Mesa Moving and Storage automatically includes “valuation” not insurance. Valuation is a predetermined amount of the current worth of items stated in the moving contract or bill of lading. This is automatically part of the contract.


Before you sign the contract (bill of lading) with your mover, you must decide how much your articles are worth and declare a value for your shipment.


Valuation is a declaration by the customer of the maximum amount of a carrier’s liability in the event of transit-related loss or damage. Valuation is not insurance and should not be referred to as insurance.  Some important differences between insurance and valuation are:



  • Policy issued
  • Covers loss/damage regardless of who is responsible
  • Governed by each state
  • Filing time limits vary by state and by insurance policy



  • No policy issued
  • A tariff carrier level of liability as authorized by Federal statute
  • Customer must prove loss occurred while in the carrier’s custody and Control
  • Carrier is not licensed to sell insurance
  • Nine-month claim filing time limit set by tariff and Bill of Lading



When going with Mesa Moving and Storage there are two types of insurance coverage options with us and for most moves:


Option 1 – Full Value Protection:


The most common coverage provided to customers moving with a corporate situation is Full Value Protection with $0 deductible is the default coverage for all household good shipments with certain accounts. Full value Protection equals to $6.00 per pound to the weight of your shipment, the cost of which will be included in your final charges.


Full Value Protection is the most comprehensive plan for your goods. When you select this option, articles that are lost, damaged or destroyed will, at the mover’s option, be either repaired, replaced with articles of like kind and quality, or a cash settlement will be made for the repairs or for replacement of the articles at their current market value, regardless of the age of the lost or damaged articles.  This is not defaulted to residential moves and you need to specify this option if chosen.


1) You can declare a value based on the weight of your shipment times an amount of not less than $6.00 per pound, or

2) You can declare a lump sum amount in excess of $6.00 times your shipment weight.



Option 2 – Alternative Level of Liability


The basic option is the most economical option available and this level of protection is provided at no additional cost; however it only provides minimal protection. Under this option the mover assumes liability for no more than 60 cents per pound per article for loss or damage. That means claims are settled upon individual weight of the article multiplied by 60 cents. This is the default option for most residential moves.


For example, if a 10-pound stereo component valued at $1,000 were lost or destroyed, your mover would be liable for no more than $6.00 (10 pounds multiplied by 60 cents).

Obviously, you should think carefully before agreeing to such an arrangement. This valuation option is considerably less than the typical value of household goods. There is no additional cost for this minimal protection and you must make a specific statement on the bill of lading agreeing to it.


3rd Party Relocation Involvement

Third Party Relocation companies handle insurance exactly the same for domestic and international shipments as described above. The only difference being is that when the insurance is billed to them, they usually mark up the insurance premium slightly to cover the cost of doing business plus revenue.


If you end up needing to make a claim, before you sign the inventory sheet you need to report the facts in detail on the original inventory sheet. Be sure to go over everything and make sure you aren’t missing anything before you sign this. If you notice damage after unpacking you have to file a claim within nine months after delivery and it is best to report the damage as soon as possible. The mover has to acknowledge receipt of your claim within 30 days and must deny or make an offer within 120 days.


Determine the Value of Your Household Goods:


  1. Write down all of your expensive and valuable items (cameras, glassware, electronics) and give each a number and an approximate weight.
  2. Give each item or box on your list a replacement value, meaning what it would cost to replace the item with another item of comparable value and quality. If you are moving valuable fine art, instruments or antiques make sure to tell your moving company so they can apply extra caution.
  3. Gather all photos and items that have sentimental or high value. This will help in keeping track of your inventory.
  4. Add up the number of items, the total weight, and the total value. Keep this on hand when you are questioning different moving companies to compare and also to help determine which coverage to get.

Moving Soon? Call 888-229-1409 For a Free Moving Estimate or visit for a Free Online Quote!

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