Moving Insurance and Liability Protection

A comprehensive approach to liability and insurance protection during relocation is essential for smooth, worry-free moves with Pamela Merker Moving. This article covers everything you need to know about safeguarding your belongings and understanding responsibility during intra-US moves, based on regulatory standards and industry best practices

Liability Coverage for Your Move

Moving companies in the United States are federally required to offer two main types of protection: Full Value Protection and Released Value Protection. Full Value Protection means your mover is responsible for repairing, replacing, or reimbursing the full current market value of any lost or damaged items. This is the most comprehensive coverage and generally the default unless you opt for a different plan. Released Value Protection, by contrast, covers your belongings at only 60 cents per pound per article—often resulting in much lower compensation for valuable items.

Third-Party and Enhanced Insurance Options

Beyond these federal requirements, clients can often purchase separate third-party insurance policies for additional protection. These plans may better reimburse the actual value of specific possessions and offer peace of mind for high-value or fragile goods. Always check your own homeowners or renters policy to see if there’s existing coverage for moving-related loss or damage.

How Actions Affect Mover Liability

To avoid limiting your coverage, never pack hazardous or perishable materials, and always declare valuable items over $100 per pound in writing before shipping. If you choose Released Value Protection, be aware that your compensation in case of damage will be limited. Report any loss or damage to the mover promptly (within nine months of delivery), and keep documentation for claims.

Pamela Merker Moving’s Commitment to Safe Moves

Founded in 2011 by James Allen, Pamela Merker Moving prioritizes transparency and the safety of your belongings at every stage. Our team ensures clients are informed of protection options and assists in selecting the plan that best suits their needs and budget. Whether you require basic liability or wish to upgrade to more comprehensive coverage, our specialists are ready to help keep your move secure.