Do I Need Insurance for Interstate Moving?

Do i need insurance for interstate moving

Get Your Free Moving Estimate

When planning an interstate move, one important question often comes up: About moving insurance? While insurance may seem optional, the truth is that it’s one of the smartest decisions you can make. Interstate relocations involve hundreds or even thousands of miles, multiple handling points, and countless risks.

Most reputable interstate movers include some form of liability coverage, but understanding your options can help you decide whether additional insurance is worth it. In most cases, especially for valuable belongings, moving insurance is essential and full-service movers make the process easy.

What Is Moving Insurance?

Moving insurance is protection for your belongings during transit. It ensures that if items are lost, damaged, or destroyed, you’ll receive compensation.

There are two main types offered by interstate movers:

1. Basic Carrier Liability (Released Value Protection)

  • Included at no extra cost with most moves.

  • Provides minimal coverage, only 60 cents per pound, per item.

  • Example: If a 20-pound TV is damaged, you’d only receive $12.

2. Full-Value Protection (Recommended)

  • Covers the full replacement or repair of lost or damaged items.

  • Usually costs extra but offers peace of mind.

  • Example: If that same TV is damaged, you’d receive the replacement cost, not just pennies per pound.

Get a Free Quote from Interstate Movers

Loading Best Moving Companies...

Why Insurance Is Especially Important for Interstate Moves?

Moves are shorter and involve fewer risks, but interstate moves can take days and cross multiple states. During this time:

  • Belongings are loaded, transported, and unloaded multiple times.

  • Trucks travel long distances, increasing chances of accidents or road hazards.

  • Weather conditions (rain, snow, extreme heat) can affect your items.

Without insurance, you could face significant financial loss if something valuable gets damaged.

Benefits of Choosing a Full-Service Mover With Insurance

Full-service movers don’t just transport your belongings, they protect them every step of the way. Choosing movers who offer full-value protection provides:

  • Comprehensive Coverage: Repairs, replacements, or reimbursement.

  • Professional Packing: Lower risk of damage since experts handle fragile items.

  • Hassle-Free Claims: Established movers streamline the claims process.

  • Peace of Mind: Confidence that your valuables are financially protected.

Final Thoughts

Yes, insurance is absolutely worth it when moving across state lines. While interstate movers generally include basic liability coverage, it’s rarely enough to protect your belongings. Choosing full-value protection through a full-service mover ensures your items are safe, your finances are secure, and your move is stress-free.

Ready to save?

Compare interstate moving quotes today from the above companies and lock in your affordable price of the year with trusted, top-rated movers.

Frequently Asked Questions (FAQs)