Full-cover moving insurance, fast, easy, and affordable
Insurance & Valuation
Your move. Our insurance.
Market-leading full-cover moving insurance up to $50,000, priced to what your belongings are actually worth, with a fast, efficient, and fair claims process if anything goes wrong.
Full-cover up to $50,000, bound at least 72 hours before move day.
Real replacement value on what actually matters, not the federal sixty-cents-per-pound minimum. Purchase and print your proof of insurance online, then keep one dedicated adjuster if you ever need to file.
Overview
What this service actually is.
Without a real policy, federal rules only require carriers to pay sixty cents per pound per article. A thirty-pound TV that shows up shattered pays out eighteen dollars, not the full replacement value. TruMove pairs your move with a licensed insurance broker so your belongings get the protection they deserve, not the legal minimum.
You get a personalized online quote built from the inventory you already gave your movers, a policy you can view, update, manage, and print from your own account, and one claims team that handles repair, replacement, or reimbursement from start to finish. Peace of mind, priced to what your items are actually worth.
Peace of mind priced to your inventory, not a sixty-cent surprise on the invoice.
Real jobs, not brochure copy
Where insurance & valuation actually gets called in.
Family long-haul with full-cover
Cross-country household move insured to declared value. TV, sofa, and dining set arrived scuffed. One online claim, one adjuster, replacement cost paid without back-and-forth.
Fine art collector with appraisals
Six-figure declared value with appraisals on record. High-value items listed separately so each piece is covered at its actual worth instead of a per-pound default.
High-rise COI plus policy
Both buildings required specific additional-insured wording. Certificates issued the week before move day and a personal policy bound at seventy-two hours out for the shipment itself.
Gear, materials & paperwork
How it works
A predictable move, step by step.
Personalized online quote
Your coordinator pulls the inventory you already built with TruMove and turns it into a personalized online quote in minutes, using the information you already gave your movers. No paperwork you have to re-enter.
Pick your coverage
Choose the amount of coverage that fits your budget, without breaking the bank. Coverage scales with the declared value of what you are actually moving.
Buy and print
Purchase online, then immediately view or print your proof of insurance from your own account. Policies can be purchased up to seventy-two hours before your requested move date.
Condition on record
Written and photo condition reports at origin and destination so any damage is documented cleanly the day it happens.
Fast, efficient, and fair claims
If something is lost or damaged, file online in one place. One team walks the claim through repair, replacement, or full market value reimbursement so you are not bounced between the carrier and an insurer.
Scope & pricing
What's included and what actually drives your price.
No lowball hooks. Estimates are binding-not-to-exceed, rooted in the carrier's published tariff and the specifics of your move.
- Full-cover moving insurance up to $50,000 of declared value
- Coverage for loss or damage in transit due to accident, theft, or weather
- Repair cost, replacement cost, or full market value payout
- Personalized premium based on what you say your items are worth
- Online policy you can view, update, and print from your account
- One online claims portal with a dedicated adjuster
- Certificates of insurance for both origin and destination buildings
- Appraisal-backed coverage for art, antiques, and high-value items
- Declared value of your shipment
- Coverage amount selected (up to $50,000)
- Deductible selected
- Number of high-value items with appraisals
- Building COI requirements at origin and destination
- Homeowners or renters insurance (kept with your existing carrier)
- Items excluded by the carrier's tariff or not declared before load
- Policies purchased inside the seventy-two hour window before move day
FAQ
Answers before you ask.
The questions we get most often about insurance & valuation.
Why should I get moving insurance?
No carrier can, in good faith, promise nothing will happen to your belongings in transit. Even with the best crew, accidents, theft, and weather happen. A real policy means you are compensated for the actual value of what was lost or damaged instead of a pennies-per-pound minimum. Get protected for the unexpected.
What is the sixty-cent problem?
By default, federal rules only require your carrier to pay sixty cents per pound per article. A thirty-pound TV pays out eighteen dollars instead of the full replacement value. A full-cover moving insurance policy pays repair cost, replacement cost, or full market value instead.
How is the premium calculated?
Your premium is based on what you say your valuables are worth and the coverage amount you choose. You get a fair price built around the declared value of your shipment, not a flat rate.
When can I buy the policy?
You can purchase the insurance policy up to seventy-two hours before your requested move date. Your coordinator will remind you at the right moment in the process.
How do I file a claim?
Our claims process is fast, efficient, and fair. Everything is handled online in one place. Upload photos and the condition report, and one adjuster walks the claim through repair, replacement, or reimbursement without you chasing anyone.
Does my homeowners policy already cover the move?
Sometimes for specific perils, rarely for the full shipment in transit. Confirm with your carrier and use a moving-specific policy as the primary coverage for the actual move.
Related services
Explore more moves we handle.
Ready to plan your insurance & valuation?
A TruMove specialist will build the right plan, match the right crew, and lock in a price you can trust.