Most people don’t think about moving insurance until something they care about is damaged in transit. By then, it’s too late to wish they’d understood their coverage options better. Here’s what you need to know about protecting your belongings during a Twin Cities move — and why the right insurance matters more than most movers realize.
Understanding Basic Moving Liability Coverage
Professional moving companies are required to carry basic liability coverage. The federal standard for interstate moves is ‘Released Value Protection’ — coverage at $0.60 per pound per article.
For a 50-lb television valued at $800, the maximum payout under this minimum coverage is $30. This is the standard coverage that comes automatically with most moves and is essentially inadequate for anything of real value.
Full Value Protection
Full Value Protection requires the mover to repair, replace at current market value, or pay the full replacement cost for any item lost, damaged, or destroyed while in the mover’s custody.
This coverage costs extra but provides genuine protection for the value of your belongings. Ask Cheep Cheep Movers about full value protection options when booking your move.
Your Homeowners or Renters Insurance
Many homeowners and renters insurance policies include some coverage for belongings while they’re in transit during a move. Check your policy or call your agent before your move.
This can provide meaningful supplemental coverage — but check the specific terms, as many policies have exclusions or limits for items damaged during a move.
High-Value Items and Special Coverage
For items with significant value beyond standard coverage limits — original artwork, jewelry, antiques, collectibles — discuss declared value coverage with your mover.
Professional appraisal documentation strengthens your ability to claim full value for high-value items if damage occurs.
What Moving Insurance Doesn’t Cover
Moving insurance typically doesn’t cover items you packed yourself that arrive damaged (since the mover can’t verify pre-move condition).
This is another reason professional packing services have real value — items packed by the mover are clearly covered under their liability.
Ready to Move? Let’s Make It Easy.
At Cheep Cheep Movers, we make local moving in the Twin Cities affordable and stress-free. Whether you need a full-service move or just some extra muscle, we’re here to help.
📞 Call us: 612-234-6605
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