Insurance

A common assumption is that full coverage is included when a moving company lists itself as a licensed and insured carrier. However, the terms ‘licensed’ and ‘insured’ simply mean that the company has the sufficient auto, general liability, and cargo coverage that the Department of Transportation requires.
The Federal Motor Carriers Safety Administration requires moving companies to extend a 60¢ per pound released value protection at no additional charge.  We extend a 75¢  per pound release value protection.  It is important to know that this type of coverage is not full value replacement insurance.   However, it is the most common coverage elected because no additional fees, descriptive inventory, or value needs to be assigned to the shipment.
This applies for a single item damage or loss, or for a catastrophic occurrence. The transportation industry uses this release to offset the huge amount of liability that the carrier faces while handling an entire household of goods.

For full coverage insurance on an entire shipment, we recommend the policies offered by Baker International. They will require the carrier’s information, the value of your goods, and the estimated weight of the shipment to provide you with pricing options. We’d be happy to assist you in determining the weight of the shipment if you’re looking to explore this option. Baker International does not offer single piece coverage.
Baker International can be reached at 800-356-0099, or visit them online. 
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MOVINGINSURANCE.COM / RELOCATIONINSURANCE.COM
For full coverage insurance on single pieces, we recommend the policies offered by MovingInsurance.com also known as RelocationInsurance.com. They will require the carrier’s information, a description of the piece and the value of your item to provide you with pricing options.
Because of the terms and conditions of their policies, we do not recommend this carrier if you are looking to insure the entire shipment.
MovingInsurance.com can be reached at 888-893-8835, or visit them online. 
Most importantly, do not wait until the last minute to purchase a full coverage insurance policy. All policies must go through underwriting and can take 1 to 2 business days to finalize. The insurance carrier may also require that an item be prepared in a certain way (third part crating, for example), which will require additional time to arrange.