Common Protection Options

• Released/Basic Liability: included at no extra charge; compensation is typically calculated by item weight (e.g., cents per pound) and can be insufficient for valuable items.

• Full Value Protection: a paid option where items are repaired, replaced with a similar item, or reimbursed at current market value, often with deductible choices.

• Separate Third‑Party Insurance: optional policies that supplement mover liability, useful for fine art, collectibles, or exclusions.

Declaring High‑Value Items

• List “extraordinary value” items in writing with make/model, serials (if available), and clear photos to document condition.

• Consider specialty packing or custom crating for art, glass, antiques, and instruments to reduce risk and support any claim.

• Undeclared high‑value items may default to basic limits and receive lower compensation.

What Can Limit Eligibility

• Self‑packed boxes may be treated differently than professionally packed items according to your terms; pack carefully and document contents.

• Exclusions often apply to prohibited items, perishables, and certain events beyond reasonable control.

• Pre‑existing damage, inadequate preparation (e.g., not defrosting appliances), or concealed contents can affect outcomes.

Deductibles and Costs

• Higher deductibles usually reduce the cost of Full Value Protection; choose a level aligned with your risk tolerance.

• Understand whether a deductible applies per shipment or otherwise; keep receipts/valuations for faster resolution.

Claim‑Ready Preparation

• Inventory: number boxes, label by room, and keep a simple contents list; photograph electronics and delicate furniture.

• Condition photos: take time‑stamped images before packing/loading—corners, screens, finishes, serial labels.

• Delivery notes: inspect as items are unloaded; note concerns on delivery paperwork before signing and keep packing materials if inspection is needed.

Timelines and Process

• Report loss or damage in writing within the timeframe stated in your documents.

• Provide photos, proof of value, and a clear description of what occurred; follow the steps for repair, replacement, or reimbursement specified by your plan.

• Keep communications in writing for clarity and tracking.

Matching Coverage to Your Move

• Studio/local: basic liability may suffice; consider targeted add‑ons for a few high‑value items.

• Family/long‑distance: Full Value Protection with a sensible deductible typically offers the best peace of mind.

• Collections/fine art: pair custom crating with separate insurance tailored to appraised values.