What Does Full Value Protection Really Cover During a Move?

Moving can be stressful especially when you’re trusting someone else with your belongings. Damage, loss, or theft can happen even with the best movers. That’s why understanding your mover’s liability options matters.

For interstate move, moving companies must offer two valuation options: Full Value Protection (FVP) and Released Value Protection (RVP). Full Value Protection is the more comprehensive option and offers greater peace of mind for homeowners.

1. What Is Full Value Protection (FVP)?

Full Value Protection means your mover is responsible for the replacement value of your goods if they’re lost, damaged, or destroyed while under their care. It’s not technically insurance—it’s a liability option that defines how much the mover must pay if something goes wrong.

Under FVP, the mover must do one of the following:

• Repair the item to the same condition as before the move
• Replace the item with a similar one
• Pay you the current market replacement value

2. What Does Full Value Protection Actually Cover?

Coverage Includes:

• Damage during loading, transport, or unloading
• Lost or stolen items while in the mover’s possession
• Items destroyed beyond repair
• Items packed by the mover that were damaged due to improper handling

Limitations:

• Items you packed yourself may not be fully covered
• High-value items (typically over $100 per pound) must be declared separately
• Natural disasters or “acts of God” may not be covered
• Coverage applies only while the mover has custody of your items
• Deductibles or limits may apply depending on your contract

3. How Much Does Full Value Protection Cost?

Costs vary by company, shipment size, and declared value. On average, Full Value Protection costs about 1%–2% of the total declared value of your belongings.

For example, if your household goods are valued at $60,000, you can expect to pay around $600 for FVP coverage. Some movers also calculate rates per pound—for example, $6 per pound—to determine minimum coverage.

4. Full Value Protection vs. Released Value Protection

If your move includes electronics, antiques, or high-value belongings, FVP is worth it. Released Value Protection often provides only minimal compensation.

5. Why Full Value Protection Is Worth It

• Peace of mind — You’re covered for the full value, not just a fraction.
• Better accountability — Movers take extra care when they’re fully liable.
• Protection for expensive items — Great for electronics, appliances, and heirlooms.
• Less financial risk — You won’t face major losses if something goes wrong.

6. How to Add Full Value Protection to Your Move

• Ask Your Mover About Their FVP Policy Before Booking
  Confirm if the mover offers FVP, what it includes, and how claims work to avoid surprises later.
• Review the Contract and Understand the Valuation Terms
  Read the fine print to know how coverage is calculated and what exclusions or deductibles apply.
• Prepare an Inventory and Estimate the Total Value of Your Items
  Create a detailed list of your belongings with photos and values to determine the right protection level.
• Declare High-Value Items Separately to Ensure Full Coverage
  List valuable items like jewelry or electronics individually so they’re fully covered at true replacement value.
• Choose Your Deductible Wisely
  Select a deductible that balances cost and protection—higher deductibles lower premiums but increase risk.
• Keep Documentation—Photos, Inventory Lists, and Receipts
  Keep records and photos of item conditions to support potential claims and speed up processing.
• Supervise Loading and Unloading on Moving Day
  Be present to ensure careful handling and report any visible damage right away.
• File Claims Quickly if Damage or Loss Occurs
  Submit claims as soon as possible with proof and photos to get timely resolution and reimbursement.

Conclusion: Move With Confidence and the Right Coverage

Full Value Protection is the smartest way to protect your belongings during a move. It offers complete coverage, ensuring your items are repaired, replaced, or reimbursed at their full value. If you’re moving long-distance or have valuable possessions, don’t settle for minimal coverage choose FVP for real peace of mind.

Protect what matters most.
Get a free moving quote that includes Full Value Protection from a licensed U.S. moving company today.
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