Valuation options, coverage limits & what to choose in 2026
Interstate moving insurance — more accurately termed valuation protection — often creates confusion for families relocating long-distance. Federal regulations require movers to offer specific liability options, yet many remain uncertain about the protection level for household goods in transit.
Under FMCSA rules, interstate movers must provide Released Value Protection (minimal, no extra cost) and Full Value Protection (higher coverage, with a fee). This guide explains each option — coverage limits, costs, claims, and decision factors for 2026 moves from Florida to New York, California to Texas, and every corridor in between.
Move Trust Hub is an independent directory with no paid placements. Compare movers by reputation, FMCSA compliance, and valuation offerings — and always verify licensing on FMCSA.gov.
Federal law governs liability protection for interstate household goods moves. Movers must offer two standard options, which appear on your Bill of Lading.
The default minimum protection at no additional charge. Limits liability to 60 cents per pound per article.
Example
A 50-pound television valued at $1,200 suffers damage. You would receive at most $30 (60¢ × 50 pounds), regardless of actual value.
Best for: Low-value or easily replaceable items only — rarely adequate for full households.
You must explicitly waive Full Value Protection in writing to select Released Value.
Holds the mover liable for the actual replacement value of lost or damaged items, up to your declared shipment value.
Example
Repair, replacement with like kind and quality, or cash settlement — with deductibles ($0, $250, $500) that can lower premiums.
Best for: Most interstate moves — especially electronics, heirlooms, and standard furnishings.
Request written quotes through Move Trust Hub to compare how movers structure fees and terms.
While Full Value increases upfront expense, it provides essential protection against potentially thousands in losses. Many families find the peace of mind justifies the modest premium.
| Option | Typical cost | Coverage |
|---|---|---|
| Released Value Protection | $0 additional (included) | 60¢ per pound per article |
| Full Value Protection | Typically $100–$500+ added to move cost | Up to declared shipment value |
For a $50,000 shipment, expect ~0.5–1% valuation fee depending on deductible.
Beyond mover liability, you may purchase separate policies from third-party providers. These often cover a broader range of perils and may offer higher or more flexible limits. Third-party policies supplement— not replace — mover valuation.
When to consider it:
Compare deductibles, exclusions, and claims processes carefully before purchasing.
Electronics, art, and antiques strongly favor Full Value Protection.
Budget moves with replaceable items may use Released Value plus careful packing.
Review FMCSA complaint history and reputation scores on Move Trust Hub.
Over- or under-declaring affects claims payouts and premium calculations.
Balance protection cost against potential replacement expenses.
If damage or loss occurs, reputable movers maintain transparent claims processes. Track records in FMCSA data and verified reviews help identify reliable partners.
It provides minimal coverage and is rarely adequate for household goods of significant value. Most experts recommend Full Value Protection.
It is typically a percentage of your declared shipment value, varying by mover. Obtain written quotes for exact amounts.
Some policies offer limited transit coverage. Review your policy and consider supplemental options if needed.
Yes. Movers often allow “extraordinary value” declarations or riders for items like jewelry or artwork.
Compensation is capped at the declared amount. Accurate valuation protects you fully.
Our platform displays mover profiles with reputation data, allowing informed comparisons of valuation offerings and overall reliability.
Selecting appropriate interstate moving valuation protection is one of the most important decisions in your relocation. While Released Value meets minimum federal requirements at no extra cost, Full Value Protection delivers the comprehensive coverage most families need.
By understanding your options, comparing offers from FMCSA-licensed movers, and accurately valuing your shipment, you minimize financial risk and focus on settling into your new home. Use our free Moving Calculator, comparison tool, and mover directory to research verified companies before booking.
Move Trust Hub is an independent informational directory with no paid placements or affiliations. Always verify licensing and authority directly with FMCSA.gov before booking.
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