Moving Insurance Calculator
Released Value Protection is free but covers only $0.60/lb (a 50-lb TV pays $30). Full Value Protection costs 1–3% of declared value. Third-party insurance costs $100–$500 for $25,000–$100,000 coverage.
Full Value Cost = Declared Value x 1–3% | Third-Party: $1–$5 per $1,000 coverage
Most people don’t realize that free basic coverage pays almost nothing in a claim. Understanding your insurance options is essential for protecting your household goods during transit.
What This Means
These estimates are based on national averages from licensed moving companies and industry data for 2026. Your actual costs may vary by 10–15%. Use this as a starting point and get multiple quotes.
Recommended Moving Supplies
Editor's picks to make your move easier and more affordable
Moving Blankets (12-Pack)
Heavy-duty 80x72" padded blankets. Protect furniture, appliances, and floors during moves.
Check Price on AmazonBubble Wrap Roll 12" x 36ft
Perforated cushioning wrap for fragile items like dishes, glassware, and electronics.
Check Price on AmazonMattress Bag Queen Size
Thick 4-mil plastic cover protects mattresses from dirt, moisture, and bed bugs during moves.
Check Price on AmazonStretch Wrap 5" x 1000ft
Industrial stretch film for bundling items and protecting furniture from scratches.
Check Price on AmazonPacking Paper 200 Sheets
Clean, unprinted newsprint paper for wrapping dishes, glasses, and delicate items.
Check Price on AmazonAs an Amazon Associate, we may earn from qualifying purchases. This does not affect our editorial recommendations.
Types of Moving Insurance
| Type | Cost | Coverage | 50-lb $1,000 TV Payout |
|---|---|---|---|
| Released Value | Free | $0.60/lb per item | $30 |
| Full Value (mover) | 1–3% of value | Repair/replace/cash | $1,000 |
| Third-Party | $100–$500 | Actual or replacement value | $800–$1,000 |
| Homeowner’s/Renter’s | Already paying | Varies by policy | Varies |
Full Value Protection Costs
| Declared Value | Premium (1–3%) | Deductible Options |
|---|---|---|
| $10,000 | $100–$300 | $0, $250, $500 |
| $25,000 | $250–$750 | $0, $250, $500 |
| $50,000 | $500–$1,500 | $0, $250, $500 |
| $100,000 | $1,000–$3,000 | $0, $250, $500 |
How to File a Claim
- Document everything before the move with photos/video
- Inspect every item at delivery, note damage on Bill of Lading
- File within 9 months (federal law for interstate moves)
- Submit written claim with photos and value documentation
- Mover has 30 days to acknowledge, 120 days to settle
- If denied: file FMCSA complaint or request arbitration
Frequently Asked Questions
Do I need moving insurance?
If your belongings are worth more than $5,000, yes. Free coverage pays only $0.60/lb. For long-distance moves, Full Value Protection or third-party insurance is strongly recommended.
What does basic coverage cover?
$0.60 per pound per item. A 200-lb dresser worth $3,000 pays out only $120. It’s the federal minimum liability, not real insurance.
How much does Full Value Protection cost?
1–3% of declared value. For $50,000 declared: $500–$1,500. Choose a $250–$500 deductible to save 15–30%.
Does homeowner's insurance cover moving?
Some policies cover belongings in transit, but many don’t. Check your policy. Even if covered, filing a claim may raise premiums. Separate moving insurance is usually better.
What items are not covered?
Cash, jewelry, important documents, items you packed yourself (PBO), perishable food, live plants, and unlisted items.