MoveGuard Moving Insurance Coverage Options

MoveGuard Moving Insurance is available in two coverage levels.

Basic coverage is required for container (cartons, boxes) packed shipments that are packed by the owner (non-mover packed) and provides basic protection for your shipment. Subject to exclusions in the policy, your items are protected against direct physical loss or damage caused by an accident, event or happening which occurs during the coverage period. Basic coverage protects your shipment from damage resulting from fire, collision or overturn of the transporting conveyance transporting your shipment. There is no coverage if breakage occurs inside any container that you packed unless there is obvious external damage to the container, and damage is documented at the time of delivery.

Enhanced coverage is available for shipments that have been professionally packed by the moving company in its entirety. The Enhanced coverage expands the variety of perils that coverage is provided for in Basic coverage and also includes coverage for breakage and theft.   Replacement Cost Value Coverage is standard.

Coverage is available for professionally transported private motorized vehicles and boats under 16 feet in length. Collections and collectibles, fine art and antiques maybe covered as well.

Depending on the coverage selected, Actual Cash Value (ACV) valuation or Replacement Cost Value (RCV) valuation is available. Several deductibles options are available. You select the options to meet your needs and budget.

Will your shipment likely be stored at some time during your move? MoveGuard provides 90 days of professional storage coverage at no additional charge. Storage in Transit may be converted to Permanent Storage coverage, at an additional cost, if your shipment will be in professional storage for more than 90 days.

Subject to the terms and limitations of the policy.


MoveGuard Moving Insurance Coverage Comparison Chart

Type of Coverage

Enhanced Coverage
Full Service Pack and Move with a Professional mover
Replacement Value Only

Basic Coverage
Owner Pack Move with a Professional mover
ACV or RCP

Mover Released Value
of $0.60 per lb. Additional Valuation can be purchased

Breakage

check

X

Based on Pack

Collision, Upset, Overturning, or Derailment

check

check

$0.60/lb.

Earthquake

check

X

X

Fire

check

check

$0.60/lb.

Flood

check

X

X

Hurricanes

check

X

X

Landslide

check

X

X

Lightning

check

check

X

Rising Waters

check

X

X

Smoke

check

check

$0.60/lb.

Tornado

check

check

X

Theft

check

X

$0.60/lb.

Typhoons and Cyclones

check

X

X

Vandalism & Malicious Mischief

check

check

$0.60/lb.

Volcanic Action

check

X

X

Windstorm

check

check

X