If you don't choose anything, you get this: $0.60 per pound per article. A 50-inch TV that weighs 40 lbs is worth $24.00 under this coverage, regardless of its actual value. California law requires movers to offer this as the default — it's not an intentional scam, it's just a legal minimum that hasn't kept up with reality.
This covers repair, replacement, or current market value — the mover chooses which remedy. There's typically a deductible ($250–$500). The cost is roughly 1–2% of the declared value of your move. For a $30,000 household worth of furniture and electronics, expect to pay $300–$600 for coverage that would actually replace a damaged piece.
Companies like Baker International and Moveinsure.com offer standalone policies that cover full replacement value without the deductibles of mover-provided plans. These are worth considering if you have high-value art, antiques, or electronics that the mover's policy might cap or dispute.
Anything over $100/lb in value — jewelry, art, collectibles, high-end electronics — should be declared in writing before the move and ideally transported in your personal vehicle. Items not declared before loading have extremely limited claims options regardless of the coverage type.
Photograph everything before unpacking further. Note the damage on the delivery paperwork before signing. File a written claim within 9 months. Under California law, the mover has 30 days to acknowledge and 120 days to make a settlement offer.
Best Movers LA offers Full Value Protection at booking — ask about current rates. Call (213) 676-9460.
California movers are required to offer two options: (1) Released Value Coverage — free, but covers only $0.60 per pound per item ($60 for a 100-lb TV). (2) Full Value Protection — costs extra, but covers repair or replacement at current market value. Always ask about both before move day.
Some homeowner's and renter's policies extend to items in transit — check your policy's 'off-premises' clause. Standard coverage is typically 10% of total personal property coverage. High-value items (art, jewelry, electronics) often require a separate 'floater' rider to be covered in transit.
File a written claim with the moving company within 9 months of delivery (California law). Photograph all damage before unpacking further. Keep the original packing materials. The company has 30 days to acknowledge and 120 days to respond with a settlement offer. If disputed, California's arbitration program is available through the CPUC.
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