Coverage and Liability Safeguards During Your Relocation

Moving to a new home within the USA can be stressful, but understanding insurance and liability protection helps safeguard your belongings. At Burnetts Moving Services, founded in 2008 and specializing in intra-US relocations, we prioritize your peace of mind by offering clear options for protecting your items during transit.

Why Insurance Matters in a Move

Damages, losses, or accidents can occur despite careful handling. Federal law requires interstate movers to provide liability coverage, but levels vary. Knowing your options ensures you’re adequately protected without overpaying.

Required Liability Options from Movers

Under FMCSA regulations, movers like us must offer two valuation coverage types:

Released Value Protection: This basic option is free but limited. The mover is liable for only 60 cents per pound per item. For example, a 10-pound lamp worth $200 would yield just $6 in compensation if damaged. It’s minimal but suitable for low-value moves.
Full Value Protection: For better coverage, choose this paid option. The mover is responsible for the full replacement value of lost or damaged items, either by repairing, replacing, or reimbursing at current market value (minus depreciation). Costs are typically 1-2% of your shipment’s declared value, but it provides comprehensive protection.

Additional Insurance Choices

If mover-provided options fall short, consider these:

Third-Party Moving Insurance: Independent policies cover gaps, like high-value items (art, antiques). Providers like Baker International or MovingInsurance.com offer transit-specific plans, often starting at $100-500 based on value.
Homeowners or Renters Insurance: Check your existing policy—some cover belongings during moves, but exclusions for professional transport are common. Contact your insurer to confirm or add a rider.
Credit Card Perks: Some cards provide purchase protection that extends to moving-related damages.

Liability Limits and Exclusions

Movers aren’t liable for everything. Common exclusions include:

Items you pack yourself (unless negligence is proven).
Perishables, plants, or hazardous materials.
Natural disasters or “acts of God.”

Always review your mover’s policy. At Burnetts Moving Services, we clearly outline liabilities in our contracts to avoid surprises.

Steps for Protection

Inventory Your Items: Document everything with photos, values, and serial numbers.
Declare High-Value Goods: List items over $100 per pound for special handling.
Review Contracts: Understand deductibles, claims processes, and timelines (claims often due within 9 months).
File Claims Promptly: If damage occurs, notify your mover immediately and gather evidence.

Choosing the Right Protection

Assess your belongings’ worth and risk tolerance. For valuable households, full value or third-party insurance is wise. Burnetts Moving Services guides clients through these choices, ensuring tailored coverage for seamless moves.