Moving Valuation Coverage | HuberWilmot Moving & Storage

Get a Free Quote Today!

HuberWilmot Moving & Storage Logo

Moving and Storage Advocates

HuberWilmot Moving and Storage LLC BBB Business Review
In compliance with CDC guidelines for COVID-19 and Omicron variant.

Moving Valuation Coverage

Moving Valuation Coverage

When you are working with a professional moving company to move your belongings, even with all precautions taken, accidents can happen and items can be damaged during the move. Limited valuation coverage is required by most states for moving companies. This is what HuberWilmot Moving & Storage provides for local and intrastate moves. This will cover 60 cents per pound, per article with a fifty dollar maximum.

For any long-distance moves, HuberWilmot Moving & Storage provides basic valuation coverage, which is also $0.60 per pound, per article.

If you have any questions about valuation or about how claims are settled, please read our service contract, and contact us with any questions.

Limited Valuation Coverage

Limited valuation coverage means that the moving company will cover $0.60 per pound, per article with a maximum of $50 at no additional cost. So, if you are moving a television component valued at $1,000 that only weighed 25 pounds, the moving company is only liable to pay $15. Age and depreciation of items are also considered in the claim.

Full Value Protection Plan

There is a full valuation protection plan that you are available to purchase, this will cover your shipment for its full value. So, that same television component that is worth $1,000 will be covered for $1,000.

Valuation vs. Insurance

Insurance and valuation coverage are two separate options available to you. Moving insurance is something that is not offered by a moving company but rather something that you receive through an insurance company. Purchasing insurance through an insurance company for your household goods means that you will need to insure them for the exact amount they are worth. HuberWilmot Moving & Storage is not an insurance company, however, it will settle any in-house claims through its claims department in accordance with the limits of liability on the service contract.

Valuation coverage is what is offered by the moving company for any loss or damage that occurs during the move. Valuation coverage is offered in varying levels of protection. Whatever plan you choose will predetermine the limit of liability provided by the moving company by the wording on the bill of Lading. This has no relationship to the actual value of the shipment. Like most local moving companies, HuberWilmot Moving & Storage provides limited valuation coverage at $0.60 per pound, per article up to a maximum of $50. Additional valuation coverage options for different levels of liability are available to purchase from HuberWilmot Moving & Storage.


Limited valuation coverage is included with your move. This will be coverage of $0.60 per pound, per article up to $50, whichever is less. If there are any deductibles, this applies to the customer and not HuberWilmot Moving & Storage.

Increased Value Liability Coverage is not automatically provided. If purchased, it must be done 48 hours prior to the commencement of services.

Additional coverages/lower deductibles are available, and these extra coverages must be declared/approved before 48 hours prior to commencement of services.

Did you know...?

Am I protected against loss or damage while my goods are in transit?

Yes, but how much protection you have and its cost to you depends upon the valuation coverage you selected. This can be one of the most confusing aspects to moving but it is important that you understand what is being provided to you.

The valuation option you choose determines the basis upon which any claim will be adjusted and the maximum liability of the carrier. The liability of a carrier for loss or damage is based upon the carrier's tariffs, as well as federal laws and regulations that have certain limitations and exclusions. Valuation is not insurance. This is important to understand. It is the liability of the moving company. Check with the provider of your homeowner's insurance to find out if you are covered for moving. Often you will find that you are.

  • Released Value – This is the most economical as there is no additional cost. However, this option provides only minimal protection and is not sufficient coverage for most shipments. It will pay you $.60 per pound per article if lost or damaged while moving. That means a piece of furniture weighing 75 lbs would receive a settlement of $45.00. You will be asked to initial the bill of lading if you select this coverage. The only place this is applicable is if your insurance policy covers your goods for their entire value and this would be considered supplemental coverage for your move.
  • Full Maximum Value Protection – This is your most comprehensive coverage. You may hear it referred to as "full replacement value" as well as "full value protection” by other van lines. If you elect to purchase full value protection, articles that are lost, damaged, or destroyed will be either repaired or replaced with like items, or a cash settlement will be made for the current market replacement value, regardless of the age of the lost or damaged item. Depreciation of the lost or damaged item is not a factor in determining replacement value when the shipment is moved under full value protection.

The cost of full value protection may be subject to various deductible levels of liability that may reduce your cost. Ask your mover for the details of their specific plan.

Read More Frequently Asked Questions