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Understanding Insurance Coverage

When moving, it’s always a good idea to be insured. A moving company will provide you with valuation, which is not full-coverage insurance.

What is valuation?

A moving company offers valuation for your goods, which is not technically an insurance policy. Valuation refers to how much a moving company will pay for your belongings, should they be damaged or lost by the moving company. Valuation is regulated by the State or the Federal Government. (The State when you’re making a local move. The Federal Government when you’re making a move that crosses State lines.) All licensed moving companies include the basic valuation in the cost of your move. In California, basic valuation is $.60 per pound per item. Basic liability protection is free of charge

Valuation is based on how much something weighs. So a one pound bag of sugar and a one pound bag of diamonds is valued exactly the same. So both, one pound of sugar and one pound of diamonds in California will be valued at $.60. In another example, you have a sofa weighing 150 lbs. which costs $800. If it is damaged during the move, you’d receive $90 (150 lbs. times $0.60 per lb). So if it’s worth more than $.60 per pound per item to you, you may want to purchase additional insurance from a third party that sells insurance NOT from your moving company.

Where can I find moving insurance?

Your homeowner’s insurance might already provide you with insurance while moving, so you should check with your insurance agent. If you do not already have coverage, we recommend purchasing moving insurance through a third-party seller: or

Please be aware that My Moving Guys basic valuation protection excludes inherent vice, climatic conditions and cartons that are packed by owner or a third party.

Inherent vice/mechanical condition unknown

This means that the carrier is not responsible for any damages which are inherent to the item being shipped. The mechanical condition of appliances or electronics cannot be established prior to a move, therefore unless there is exterior damage noted about the items or cartons, it is assumed that it is in working condition.

Climatic condition/Inherent Vice

Any damages which are the direct result of change in temperature or humidity are beyond the carrier’s control.

Cartons that are “Packed by Owner” (PBO)

Unless the carton appears damaged, My Moving Guys is not liable for any items that have been packed by someone other than My Moving Guys. If the carton shows visible damage, it should be noted on the inventory and the carton(s) and damaged items must be retained for our inspection.

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