What is valuation, and do I need full value protection?

By default a mover between states is only liable for 60 cents a pound per item — a 10-pound laptop is worth $6 to them.

Full value protection costs extra, and makes the mover repair, replace, or pay the current value of anything lost or damaged.

Check your renters or homeowners policy too; some cover belongings in transit, many don't. Ask before moving day, not after.

Source: FMCSA, Your Rights and Responsibilities When You Move · Checked October 2026