Moving Insurance

Moving insurance protects your belongings beyond the basic cover that is included in most moving services. Insurance can be carried either by us or a third-party company and is a sensible option for those moving expensive or fragile items.

What’s Included in Basic Coverage?

By law, most moving companies must include a basic valuation (like Released Value Protection in the U.S. or similar in Canada).

This covers items based on weight, not actual value. Typically, you’re reimbursed at a flat rate per pound — which might not be enough for expensive items.

Types of Moving Insurance

Full Value Protection (offered by movers):

1. Covers the full replacement or repair cost of damaged or lost items.
2. Usually costs more than basic coverage, but provides much stronger protection.

Third-Party Moving Insurance:

1. Offered by insurance companies separate from the mover.
2. Can provide broader or more specialized coverage (e.g., for artwork, jewelry).

Pro Tip:

1. Check What’s Covered: Moving insurance has limitations (like pre-existing damage or certain types of items). Read the policy carefully to understand what’s included.
2. If you’re moving especially valuable items, consider photographing them before the move as extra documentation.