{"id":11188,"date":"2025-10-05T21:31:00","date_gmt":"2025-10-05T21:31:00","guid":{"rendered":"https:\/\/muscularmovingmen.com\/?p=11188"},"modified":"2026-04-06T22:46:50","modified_gmt":"2026-04-07T05:46:50","slug":"what-is-moving-insurance","status":"publish","type":"post","link":"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/","title":{"rendered":"What Is Moving Insurance and Do I Really Need It?"},"content":{"rendered":"\n<p>When it comes to moving, there are many details to consider. There's the process of deciding whether to DIY your move or to narrow down your options for moving companies. You may choose to rent a truck and ask friends to help you move, or leave everything \u2014 from packing to unpacking \u2014 to the professionals. Of course, you'll also need to pack your household goods, from large furniture to valuable items \u2014 and pack them well. Even a well-planned move can go sideways if your belongings are damaged, and without moving insurance, you might be stuck paying out of pocket.<\/p>\n\n\n\n<p>Many people mistakenly assume that if their belongings are damaged during a move, the moving company will pay to repair the damage or replace the items. For that reason, they may opt to forgo moving insurance costs to reduce their moving costs. This can be a costly mistake.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#What_Is_Moving_Insurance\" >What Is Moving Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#Released_Value_vs_Full-Value_Protection\" >Released Value vs. Full-Value Protection<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#Released_Value_Protection\" >Released Value Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#Full-Value_Protection\" >Full-Value Protection<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#When_Is_Moving_Insurance_Worth_It\" >When Is Moving Insurance Worth It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#How_Moving_Insurance_Works_With_Muscular_Moving_Men\" >How Moving Insurance Works With Muscular Moving Men<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#How_to_Decide_Whats_Right_for_You\" >How to Decide What\u2019s Right for You<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#Purchasing_Moving_Insurance\" >Purchasing Moving Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/muscularmovingmen.com\/blog\/what-is-moving-insurance\/#Get_in_Touch_With_Muscular_Moving_Men_Today\" >Get in Touch With Muscular Moving Men Today<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>It's a mover's liability that items might be damaged, even when handled by professional movers. As such, if an item is damaged and the mover wasn't negligent, the cost to replace or repair it is the customer's responsibility.<\/p>\n\n\n\n<p>Keep reading as we explain why moving insurance is so important, the two types of coverage and their costs, and how to choose the right moving coverage option.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1024x683.png\" alt=\"Couple with moving boxes looking at laptop\" class=\"wp-image-11190\" srcset=\"https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1024x683.png 1024w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-300x200.png 300w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-768x512.png 768w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1536x1024.png 1536w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-600x400.png 600w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image.png 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pexels, Blue Bird<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_Moving_Insurance\"><\/span><strong>What Is Moving Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/muscularmovingmen.com\/blog\/what-you-need-to-know-about-moving-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Moving insurance,<\/a> also known as valuation coverage, is a type of insurance that's provided by your mover. While still technically insurance, this isn't traditional insurance in the sense that you can't purchase it from a broker like you might with your car insurance or home insurance. Instead, it's offered by professional movers directly to customers.<\/p>\n\n\n\n<p>So, <a href=\"https:\/\/www.fmcsa.dot.gov\/consumer-protection\/protect-your-move\/are-you-moving\/liability-protection\" target=\"_blank\" rel=\"noreferrer noopener\">what is moving insurance<\/a>? When hiring movers, there are two primary types of moving insurance you can purchase: basic or released value and full-value protection.<\/p>\n\n\n\n<p>Purchasing released value protection or full-value protection moving insurance is a decision that's left up to the customer. So is choosing the right moving coverage options for your move. Many <a href=\"https:\/\/muscularmovingmen.com\/\">professional moving companies<\/a> are not upfront about what their insurance options cover, or what isn't covered by insurance, which can make the decision between replacement value and full-value insurance even harder.\u00a0<\/p>\n\n\n\n<p>This isn't the case with <a href=\"https:\/\/muscularmovingmen.com\/about-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">Muscular Moving Men<\/a>. Instead, you'll know exactly what is and isn't covered, so you can protect your valuable items and sentimental belongings, both when moving locally and long distance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1-1024x683.png\" alt=\"Professional movers with couch outside\" class=\"wp-image-11191\" srcset=\"https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1-1024x683.png 1024w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1-300x200.png 300w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1-768x512.png 768w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1-1536x1024.png 1536w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1-600x400.png 600w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-1.png 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pexels, RDNE Stock Project<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Released_Value_vs_Full-Value_Protection\"><\/span><strong>Released Value vs. Full-Value Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let's take a closer look at the two moving liability insurance options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Released_Value_Protection\"><\/span><strong>Released Value Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Released value coverage pays a set cost per pound of belongings, regardless of the type of item. For instance, you would receive the same compensation for damage to 10 pounds of clothing as you would for a 10-pound piece of furniture. Typically, released value protection pays around $0.60 per pound. This means that a $1,000 TV might only qualify for a $10 reimbursement in the event of damage.<\/p>\n\n\n\n<p>Released valuation coverage is the most basic coverage option, and it's the minimum coverage a homeowner should have. While it won't cover the extraordinary value of items like tech, furniture, or valuables, it does provide some reimbursement in the event of damage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Full-Value_Protection\"><\/span><strong>Full-Value Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The second option that insurance companies offer is full-value protection. With this form of moving insurance, you get more than basic coverage, with full replacement value for any belongings lost or damaged during your move. With full-value insurance, your insurance covers the value of your belongings, rather than paying a set price per pound.<\/p>\n\n\n\n<p>Determining the value of your belongings can vary. Usually, insurance companies will cover the cost to repair or replace your item based on the current market value. Or they'll give you the actual cost value of your item. For instance, if your television is damaged during your move, you'll get a new TV or a payout for its replacement cost.<\/p>\n\n\n\n<p>This form of insurance coverage is the best choice for those with high-value items like expensive furniture or electronics. Consider the estimated value of your biggest or most expensive items, and what it would cost you to replace them. If you own antiques or items purchased many years ago, you may want to look at pricing data to determine the total estimated value of each item to better understand how much you'll need to spend to replace it if broken, and you don't have insurance or have limited coverage.<\/p>\n\n\n\n<p>Muscular Moving Men charges around 1% of the declared value of each item. For instance, that means you'll pay around $30 to cover $3,000 worth of belongings.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-2-1024x683.png\" alt=\"Professional mover with clipboard and boxes\" class=\"wp-image-11192\" srcset=\"https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-2-1024x683.png 1024w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-2-300x200.png 300w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-2-768x512.png 768w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-2-1536x1024.png 1536w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-2-600x400.png 600w, https:\/\/muscularmovingmen.com\/wp-content\/uploads\/2025\/11\/image-2.png 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pexels, RDNE Stock Project<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_Is_Moving_Insurance_Worth_It\"><\/span><strong>When Is Moving Insurance Worth It?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you want to protect your belongings during a move, it's important to purchase insurance. From interstate moves to long-distance moves, a lot can happen to your valuable belongings. There are even a few situations when moving damage claims are more common, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/muscularmovingmen.com\/services\/long-distance-moving\/\" target=\"_blank\" rel=\"noreferrer noopener\">Long distance moves<\/a><\/li>\n\n\n\n<li>Fragile or high-value items (art, instruments, TVs)<\/li>\n\n\n\n<li>When you need temporary <a href=\"https:\/\/muscularmovingmen.com\/services\/service-storage\/\" target=\"_blank\" rel=\"noreferrer noopener\">storage<\/a> during the move<\/li>\n\n\n\n<li>First-time movers who want peace of mind<\/li>\n<\/ul>\n\n\n\n<p>In these instances, moving insurance costs are a small price to pay compared to the cost of replacing the total value of any damaged items.<\/p>\n\n\n\n<p>It's important to keep in mind that natural disasters aren't covered in your moving insurance. Natural disasters, such as heavy wind and rain, can cause damage while your items are being packed and moved. However, your moving insurance covers only damage directly related to the move, not these natural disasters. Instead, your third-party coverage for your home or apartment could help cover the cost to repair or replace these items.<\/p>\n\n\n\n<p>Of course, moving insurance is only worth it if you know what you're protecting. <a href=\"https:\/\/muscularmovingmen.com\/blog\/how-to-create-a-moving-inventory-list-for-a-smooth-and-organized-move\/\" target=\"_blank\" rel=\"noreferrer noopener\">Creating a list of items<\/a> that you plan to move can help with this.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Moving_Insurance_Works_With_Muscular_Moving_Men\"><\/span><strong>How Moving Insurance Works With Muscular Moving Men<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Muscular Moving Men makes it easy to protect your belongings during your move. Instead of purchasing moving insurance from third-party companies, we cut out the third-party insurers and pass on valuable insurance options to our customers. While booking our moving services, you can also select the insurance coverage that's right for you.<\/p>\n\n\n\n<p>Before choosing which moving insurance you prefer, you'll want to <a href=\"https:\/\/muscularmovingmen.com\/blog\/keeping-documentation-of-your-valuables-during-a-move\/\" target=\"_blank\" rel=\"noreferrer noopener\">determine the value of your belongings<\/a>, as you'll need to state this while choosing your insurance. This shouldn't be a rough estimate, as this total will be used to cover items damaged during your move. If something does go wrong during your move, you can easily submit a claim.<\/p>\n\n\n\n<p>While moving insurance is an additional cost, Muscular Moving Men makes it even more valuable with no hidden deductibles and real support if anything goes wrong, helping you enjoy a stress-free move.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Decide_Whats_Right_for_You\"><\/span><strong>How to Decide What\u2019s Right for You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>So, how can you decide whether moving insurance is right for you? Start with a checklist that asks basic questions about your belongings and their full replacement value, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Am I moving far?<\/li>\n\n\n\n<li>Do I have items I can\u2019t easily replace?<\/li>\n\n\n\n<li>Can I afford to risk covering damages out of my own pocket?<\/li>\n<\/ul>\n\n\n\n<p>If you're unsure of the answers to the questions above, or if you plan to use temporary storage for your belongings, it's best to err on the side of caution and purchase moving insurance when working with moving companies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Purchasing_Moving_Insurance\"><\/span><strong>Purchasing Moving Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many first-time movers assume that their homeowners' insurance or renters' insurance policy will provide coverage if their belongings are lost or damaged during their move. However, this often isn't the case. Instead, it's important to purchase comprehensive coverage to protect your belongings during your move.<\/p>\n\n\n\n<p>While many movers offer basic coverage, if you truly want to protect your belongings and avoid high replacement costs, it's a good idea to purchase additional coverage and carefully consider the coverage available to you. That way, if you do have to cover items and start the claims process during your move, you can do so knowing you'll at least partially recoup the cost to replace or repair them.<\/p>\n\n\n\n<p>Moving insurance isn't a scam. It's a smart way to protect your belongings when hiring moving companies. Muscular Moving Men offers comprehensive protection to help you rest easy during your move. Electrical accidents, mold, and other natural disasters aren't covered, but drops, bumps, and other routine damage are.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_in_Touch_With_Muscular_Moving_Men_Today\"><\/span>Get in Touch With Muscular Moving Men Today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Don\u2019t gamble with your move; get peace of mind and full coverage by choosing Muscular Moving Men, trusted <a href=\"https:\/\/muscularmovingmen.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Phoenix movers<\/a> who offer clear, affordable moving insurance cost options. Get your free quote today by calling (877) 434-8668.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is moving insurance? \ud83d\ude9a Learn what moving insurance covers, how it protects your belongings during a move, and whether it\u2019s worth the cost for your next relocation.<\/p>\n","protected":false},"author":6,"featured_media":11189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[34],"tags":[68],"class_list":["post-11188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moving-tips","tag-moving-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/posts\/11188","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/comments?post=11188"}],"version-history":[{"count":2,"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/posts\/11188\/revisions"}],"predecessor-version":[{"id":11867,"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/posts\/11188\/revisions\/11867"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/media\/11189"}],"wp:attachment":[{"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/media?parent=11188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/categories?post=11188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/muscularmovingmen.com\/wp-json\/wp\/v2\/tags?post=11188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}