Understanding Moving Insurance: Why It’s Worth the Investment

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Relocating can be a thrilling journey, but it’s not without its fair share of challenges. Among the many considerations you need to make is the safety of your belongings. This is where moving insurance comes into play. But what exactly is moving insurance, and is it worth the investment? This comprehensive guide by Denver City Movers, your trusted cross-country movers, aims to shed light on these important questions.

furniture insurance

What Is Moving Insurance?

Moving insurance, sometimes referred to as valuation, provides financial protection for your belongings during the relocation process. While every moving company must provide basic liability coverage as per federal law, this basic coverage might not be enough, especially for high-value or sentimental items. This is why investing in moving insurance can provide extra security for your peace of mind.

selecting moving insurance
For a stress-free moving experience, select the insurance coverage that best suits the value of your items

The Different Types of Moving Insurance

There are several types of moving insurance you can choose from, depending on your specific needs and the value of your belongings.

  1. Released Value Protection: This is the basic coverage provided by all professional movers at no additional cost. However, it offers minimal protection based on the weight of your belongings, not their actual value.
  2. Full Value Protection: Under this plan, the moving company is liable for the replacement value of damaged or lost goods in your entire shipment. This is a more comprehensive plan, but it comes at an additional cost.
  3. Separate Liability Insurance: This is additional coverage that you can purchase from a third-party insurance company. The moving company still provides released value protection, but the separate policy covers the remainder up to the declared value of the entire shipment.

household valuables

Why Moving Insurance Is Worth the Investment

Protection for Your Valuables

Even with the most experienced long-distance movers in Denver, accidents can happen. With moving insurance, you have the assurance that you’ll be compensated if your items are lost or damaged during the move.

Peace of Mind

Knowing that your belongings are insured can significantly reduce the stress of moving. This peace of mind allows you to focus on other vital aspects of your relocation.


While there is a cost associated with moving insurance, it could save you money in the long run. Consider the cost of replacing valuable items out of pocket versus the cost of an insurance premium. You might find that it’s a worthwhile investment.

moving insurance

What to Consider When Choosing Moving Insurance

When selecting moving insurance, consider the following:

  • The Value of Your Belongings: If you have many high-value items, it may be worth considering Full Value Protection or Separate Liability Insurance.
  • The Distance of Your Move: Long-distance and cross-country moves can be more prone to mishaps due to the distance and time in transit.
  • Your Personal Risk Tolerance: If the thought of potential loss or damage to your belongings keeps you up at night, investing in additional moving insurance could provide peace of mind.

Before making a decision, it’s important to read and understand the complete terms and conditions of the moving insurance. If you have questions, don’t hesitate to ask your moving company or insurance provider.

packing mirror
Denver City Movers have a long and well earned reputation for being some of the most careful movers in the industry when it comes to fragile and antique belongings

Denver City Movers: Your Trusted Moving Partner

At Denver City Movers, we understand the value of your belongings, and we strive to provide a seamless moving experience. While our team of professionals handles your items with the utmost care, we also understand the importance of having comprehensive coverage for your peace of mind. That’s why our moving experts are here to help you understand your insurance options and guide you in choosing the best coverage for your needs.

For more information on our moving services, including packing and unpacking services, visit our packing services page. We also offer many resources on our blog, such as packing tips and advice on planning a long-distance move.

movers with large item
Moving your house cross country is never going to be cheap. But that doesn’t mean it should cost an arm and a leg either. Denver City Movers will work to fit within your budget!

The Cost of Long-Distance Moving

One of the primary concerns when planning a move is cost. At Denver City Movers, we understand this concern. That’s why we seek to provide the most cost-effective solutions for your move. Visit our long-distance movers cost page and Denver moving costs page for a detailed breakdown of the potential costs associated with your move.

moving insurance

FAQs About Moving Insurance

Does home contents insurance cover moving?

Typically, standard home contents insurance does not extend to cover your belongings during a move. However, some policies might offer limited coverage for items in transit, so it’s always worth checking with your insurance provider. Otherwise, consider investing in dedicated moving insurance for comprehensive coverage.

Which type of insurance covers loss or damage to property while it is being transported?

Moving insurance, also known as goods in transit insurance or relocation insurance, is designed specifically to cover loss or damage to property while it’s being transported. It’s an essential safety net for anyone planning a move, whether locally or across the country.

standard furniture

What does 60 cents per pound per article mean?

In the context of moving insurance, 60 cents per pound per article refers to the level of coverage provided by Released Value Protection, which is the basic insurance provided by movers. It means the moving company is liable for 60 cents per pound of the item, not its full value. For example, if a 100-pound item worth $1000 is damaged, the company would only be liable for $60 (100 pounds x $0.60).

Is there a deductible for moving insurance?

Whether there’s a deductible for moving insurance depends on the specific policy and provider. Some policies may have a deductible, which is the amount you may need to pay out of pocket prior to the insurance coverage kicking in. Always review the terms of your policy carefully to understand what costs you may be responsible for.

What is Valuation on a moving estimate?

Valuation is the predetermined limit of liability that a moving company will accept for your belongings in the event of loss or damage. It’s not the same as insurance but rather a level of financial responsibility the mover agrees to accept. This valuation can be based on the weight of your items (Released Value Protection) or their replacement value (Full Value Protection).

How do you determine insurance to value?

Insurance to value is determined by estimating the cost to replace your belongings with new, similar items without considering depreciation. This figure should represent the amount of insurance coverage you need to fully protect your belongings.

How do insurance companies estimate value?

Insurance companies estimate value using a variety of methods. For moving insurance, they may consider the weight of your belongings (in the case of Released Value Protection) or their replacement cost (for Full Value Protection). Always discuss the valuation methods with your insurance provider to understand how they calculate coverage.

home insurance premium

What is a blanket value?

A blanket value, in terms of moving insurance, is a single coverage amount that applies to your entire shipment. Rather than insuring each individual item, you set a total coverage amount that represents the combined value of all your belongings. This is often used in Full Value Protection policies.

packing antique chair
Call Denver City Movers today and find out how we can make your valuable contents safe and secure for long distance moving!


No one loves moving, but with proper planning and protection, it can be a smooth journey. Investing in moving insurance provides peace of mind and ensures the safety of your belongings. For more information on moving insurance and how to select the right plan for your needs, feel free to contact us at Denver City Movers. Our team of moving experts is always ready to assist you with a free moving estimate and answers.

Whether you’re moving from Denver to Salt Lake City, or embarking on a cross-country adventure to Seattle or Miami, Denver City Movers is committed to providing a seamless and stress-free moving experience. We understand the individual challenges that come with each type of move and are equipped to handle them efficiently.

In addition to our long-distance moving services, we also offer professional packing services to ensure your belongings are safe and secure throughout the transit process. We understand that every item has its own packing requirements and we’re skilled in packing a variety of items, from delicate glassware to large furniture.

Moreover, at Denver City Movers, we believe in transparent pricing. We offer comprehensive quotes that factor in all potential costs, so you’re never caught by surprise. We understand that moving is a significant financial investment, and we’re committed to providing value for every dollar you spend.

Lastly, we believe in the power of knowledge. We offer a wealth of resources to guide you through the moving process. From understanding moving insurance and estimating moving costs to providing packing tips and answering FAQs, we’re here to support you every mile of the way.

And when you’re ready to start planning your move, call us or schedule a free in-home estimate.

At Denver City Movers, we’re more than just a moving company—we’re your moving partner, dedicated to making your move a successful and enjoyable experience. We look forward to serving you soon.

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