{"id":101192,"date":"2026-06-19T00:00:00","date_gmt":"2026-06-19T00:00:00","guid":{"rendered":"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/"},"modified":"2026-07-01T23:02:29","modified_gmt":"2026-07-01T23:02:29","slug":"can-homeowners-insurance-cover-moving-damage","status":"publish","type":"post","link":"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/","title":{"rendered":"Can Homeowners Insurance Cover Damage During a Move?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_38 counter-hierarchy ez-toc-counter ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Jump Ahead To: <\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Released_Value_Protection\" title=\"Released Value Protection\">Released Value Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Full_Value_Protection\" title=\"Full Value Protection\">Full Value Protection<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Example_How_Released_Value_Protection_Works\" title=\"Example: How Released Value Protection Works\">Example: How Released Value Protection Works<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Included_in_the_Cost\" title=\"Included in the Cost\">Included in the Cost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Simple_Coverage\" title=\"Simple Coverage\">Simple Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Suitable_for_Some_Situations\" title=\"Suitable for Some Situations\">Suitable for Some Situations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Greater_Financial_Protection\" title=\"Greater Financial Protection\">Greater Financial Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Better_for_Valuable_Households\" title=\"Better for Valuable Households\">Better for Valuable Households<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#More_Peace_of_Mind\" title=\"More Peace of Mind\">More Peace of Mind<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Additional_Cost\" title=\"Additional Cost\">Additional Cost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Coverage_Limits_May_Apply\" title=\"Coverage Limits May Apply\">Coverage Limits May Apply<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Released_Value_Protection_May_Make_Sense_If\" title=\"Released Value Protection May Make Sense If:\">Released Value Protection May Make Sense If:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Full_Value_Protection_May_Make_Sense_If\" title=\"Full Value Protection May Make Sense If:\">Full Value Protection May Make Sense If:<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#What_protection_is_included_in_my_quote\" title=\"What protection is included in my quote?\">What protection is included in my quote?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#How_much_does_Full_Value_Protection_cost\" title=\"How much does Full Value Protection cost?\">How much does Full Value Protection cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Are_there_deductibles\" title=\"Are there deductibles?\">Are there deductibles?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Are_certain_items_excluded\" title=\"Are certain items excluded?\">Are certain items excluded?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#How_does_the_claims_process_work\" title=\"How does the claims process work?\">How does the claims process work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Photograph_Valuable_Items\" title=\"Photograph Valuable Items\">Photograph Valuable Items<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Create_a_Home_Inventory\" title=\"Create a Home Inventory\">Create a Home Inventory<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Keep_Receipts_When_Possible\" title=\"Keep Receipts When Possible\">Keep Receipts When Possible<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Inspect_Items_During_Delivery\" title=\"Inspect Items During Delivery\">Inspect Items During Delivery<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/#Planning_a_Move\" title=\"Planning a Move?\">Planning a Move?<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">When planning a move, one of the most important and most misunderstood decisions involves protecting your belongings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many people assume that movers automatically provide full insurance coverage. In reality, professional movers typically offer different levels of valuation coverage, and understanding the difference can save you from major surprises if something is damaged or lost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The two most common options are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Released Value Protection<\/strong><\/li>\n<li style=\"font-weight: 400;\"><strong>Full Value Protection<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While both provide some level of protection, they work very differently.<\/span><\/p>\n<h1><strong>The Short Answer<\/strong><\/h1>\n<h3><span class=\"ez-toc-section\" id=\"Released_Value_Protection\"><\/span><strong>Released Value Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u2714 Usually included at no additional cost<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u274c Provides limited reimbursement<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Full_Value_Protection\"><\/span><strong>Full Value Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u2714 Provides significantly broader protection<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u274c Typically costs extra<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For many households, understanding this distinction is one of the most important parts of planning a move.<\/span><\/p>\n<h1><strong>What Is Released Value Protection?<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Released Value Protection is the most basic level of protection offered by movers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For interstate moves, movers generally offer this coverage at no additional charge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, reimbursement is based on:<\/span><\/p>\n<p><strong>$0.60 per pound per item<\/strong><span style=\"font-weight: 400;\">, not on the item&rsquo;s actual value.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Example_How_Released_Value_Protection_Works\"><\/span><strong>Example: How Released Value Protection Works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Imagine you&rsquo;re moving a flat-screen television that weighs 40 pounds.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If it&rsquo;s damaged during the move:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">40 pounds &times; $0.60 = <\/span><strong>$24 reimbursement<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Even if the television originally cost $800.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Similarly:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A 150-pound dining table would receive:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">150 &times; $0.60 = <\/span><strong>$90<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">regardless of its original purchase price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This surprises many customers who <\/span><a href=\"https:\/\/www.getbellhops.com\/blog\/moving-from-dallas-to-minneapolis-cost-timeline-planning-tips\"><span style=\"font-weight: 400;\">assume moving coverage<\/span><\/a><span style=\"font-weight: 400;\"> works like traditional insurance.<\/span><\/p>\n<h1><strong>Benefits of Released Value Protection<\/strong><\/h1>\n<h3><span class=\"ez-toc-section\" id=\"Included_in_the_Cost\"><\/span><strong>Included in the Cost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You typically don&rsquo;t pay extra.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Simple_Coverage\"><\/span><strong>Simple Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No additional paperwork may be required.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Suitable_for_Some_Situations\"><\/span><strong>Suitable for Some Situations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It may be reasonable if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You&rsquo;re moving inexpensive furniture<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You have minimal belongings<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You&rsquo;re comfortable accepting more financial risk<\/span><\/li>\n<\/ul>\n<h1><strong>Drawbacks of Released Value Protection<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">The biggest disadvantage is obvious:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u274c Reimbursement often falls far below replacement cost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This can become a serious issue if you&rsquo;re moving:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Electronics<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Designer furniture<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Antiques<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Artwork<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collectibles<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Family heirlooms<\/span><\/li>\n<\/ul>\n<h1><strong>What Is Full Value Protection?<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Full Value Protection provides substantially greater coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under this option, if an item is lost, damaged, or destroyed during the move, the moving company generally assumes greater responsibility for resolving the claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on the circumstances and the terms of your agreement, the mover may choose to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Repair the item<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Replace the item<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Provide compensation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This offers much broader protection than Released Value Protection.<\/span><\/p>\n<h1><strong>Example: How Full Value Protection Works<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Suppose you move a dining table valued at $2,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If it&rsquo;s damaged, the moving company may:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Repair the table<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Replace the table<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Offer compensation according to the coverage agreement<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The resolution process varies by company and policy terms, but the potential recovery is generally far greater than the basic $0.60-per-pound option.<\/span><\/p>\n<h1><strong>Benefits of Full Value Protection<\/strong><\/h1>\n<h3><span class=\"ez-toc-section\" id=\"Greater_Financial_Protection\"><\/span><strong>Greater Financial Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Coverage is generally tied more closely to the item&rsquo;s actual value.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Better_for_Valuable_Households\"><\/span><strong>Better for Valuable Households<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Especially useful for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Large homes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Long-distance moves<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Expensive furniture<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Electronics<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Specialty items<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"More_Peace_of_Mind\"><\/span><strong>More Peace of Mind<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many families prefer knowing they have additional protection if something goes wrong.<\/span><\/p>\n<h1><strong>Drawbacks of Full Value Protection<\/strong><\/h1>\n<h3><span class=\"ez-toc-section\" id=\"Additional_Cost\"><\/span><strong>Additional Cost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Unlike Released Value Protection, Full Value Protection usually increases the cost of the move.<\/span><\/p><div class=\"getbe-middle\" style=\"margin-left: auto; margin-right: auto; text-align: center; \" id=\"getbe-1381476423\"><a href=\"https:\/\/www.getbellhops.com\/book\/service\/\" aria-label=\"The Better Way to Move\"><img loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"The Better Way to Move\" sizes=\"(max-width: 600px) 100vw, 600px\" width=\"600\" height=\"160\" style=\" max-width: 100%; height: auto;\" class=\"lazyload\" data-src=\"https:\/\/www.bellhopblog.com\/blog\/wp-content\/uploads\/2024\/03\/600x160.png\" data-srcset=\"https:\/\/www.bellhopblog.com\/blog\/wp-content\/uploads\/2024\/03\/600x160.png 600w, https:\/\/www.bellhopblog.com\/blog\/wp-content\/uploads\/2024\/03\/600x160-300x80.png 300w\"><\/a><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Coverage_Limits_May_Apply\"><\/span><strong>Coverage Limits May Apply<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Certain items may have:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Value limits<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Documentation requirements<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Special declarations<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Always review the specific terms before purchasing.<\/span><\/p>\n<h1><strong>Which Option Is Better?<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">The answer depends on what you&rsquo;re moving.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Released_Value_Protection_May_Make_Sense_If\"><\/span><strong>Released Value Protection May Make Sense If:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u2714 You&rsquo;re moving inexpensive items<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2714 You have a small household<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2714 You&rsquo;re primarily focused on minimizing costs<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2714 You&rsquo;re comfortable accepting greater risk<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Full_Value_Protection_May_Make_Sense_If\"><\/span><strong>Full Value Protection May Make Sense If:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u2714 You&rsquo;re moving valuable furniture<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2714 You&rsquo;re relocating long-distance<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2714 You own expensive electronics<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2714 You&rsquo;re moving antiques or collectibles<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2714 You want additional peace of mind<\/span><\/p>\n<h1><strong>What About High-Value Items?<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Some belongings deserve special attention regardless of the protection option selected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Examples include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Jewelry<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cash<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Important documents<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Family heirlooms<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collectibles<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Sentimental items<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Many people choose to transport these items personally rather than placing them on the moving truck.<\/span><\/p>\n<h1><strong>Does Homeowners Insurance Cover Moving Damage?<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Sometimes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some homeowners or renters insurance policies may provide limited coverage during a move.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before moving day, consider asking your insurance provider:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Does my policy cover moving damage?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are there coverage limits?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are there exclusions?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Understanding your existing coverage can help you make better decisions.<\/span><\/p>\n<h1><strong>Questions to Ask Your Moving Company<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Before selecting a protection option, ask:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_protection_is_included_in_my_quote\"><\/span><strong>What protection is included in my quote?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"How_much_does_Full_Value_Protection_cost\"><\/span><strong>How much does Full Value Protection cost?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_deductibles\"><\/span><strong>Are there deductibles?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Are_certain_items_excluded\"><\/span><strong>Are certain items excluded?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"How_does_the_claims_process_work\"><\/span><strong>How does the claims process work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The more you understand <\/span><a href=\"https:\/\/www.getbellhops.com\/blog\/cost-to-move-3-bedroom-house-across-country\"><span style=\"font-weight: 400;\">before moving day<\/span><\/a><span style=\"font-weight: 400;\">, the fewer surprises you&rsquo;ll encounter later.<\/span><\/p>\n<h1><strong>How to Protect Yourself Regardless of Coverage<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Even with protection options available, there are several steps you should take.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Photograph_Valuable_Items\"><\/span><strong>Photograph Valuable Items<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Take pictures before moving day.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Create_a_Home_Inventory\"><\/span><strong>Create a Home Inventory<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Document:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Furniture<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Electronics<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Appliances<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Specialty items<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Keep_Receipts_When_Possible\"><\/span><strong>Keep Receipts When Possible<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Proof of value may help support claims.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Inspect_Items_During_Delivery\"><\/span><strong>Inspect Items During Delivery<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Check for damage before the moving crew leaves.<\/span><\/p>\n<h1><strong>Common Misunderstandings<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Many people mistakenly believe:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u274c Movers provide full insurance automatically<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u274c All damage is reimbursed at replacement value<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u274c Coverage works exactly like homeowners insurance<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u274c Claims are automatic<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding your protection options ahead of time can prevent significant frustration.<\/span><\/p>\n<h1><strong>Quick Comparison<\/strong><\/h1>\n<table>\n<tbody>\n<tr>\n<td>\n<p><strong>Feature<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>Released Value Protection<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>Full Value Protection<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Included in Base Price<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u2714<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u274c<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Additional Cost<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">None<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">Usually<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Pays Based on Weight<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u2714<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u274c<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Covers Full Replacement Value<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">Limited<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">Often<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Best for Budget Moves<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u2714<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">Sometimes<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Best for Valuable Items<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u274c<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u2714<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h1><strong>The Bottom Line<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">Released Value Protection and Full Value Protection serve very different purposes.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Released Value Protection<\/strong><span style=\"font-weight: 400;\"> offers basic coverage at little or no additional cost, but reimbursement is typically limited.<\/span><\/li>\n<li style=\"font-weight: 400;\"><strong>Full Value Protection<\/strong><span style=\"font-weight: 400;\"> costs more but generally provides significantly better protection for your belongings.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you&rsquo;re moving valuable furniture, electronics, or sentimental items, taking the time to understand your options can help you avoid costly surprises later.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Planning_a_Move\"><\/span><strong>Planning a Move?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bellhop helps customers understand their moving options, including available protection choices, moving services, and what to expect throughout the relocation process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you&rsquo;re planning a local move or a cross-country relocation, Bellhop can help you make informed decisions every step of the way.<\/span><\/p>\n<p><strong>Get your moving quote today.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Call <\/span><a href=\"tel:+18884981085\"><span style=\"font-weight: 400;\">+1 (888) 498-1085<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/www.getbellhops.com\/\"><span style=\"font-weight: 400;\">book online<\/span><\/a><span style=\"font-weight: 400;\"> today to get started.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn when homeowners or renters insurance may provide protection during a move and where coverage limitations exist.<\/p>\n","protected":false},"author":37,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.5 (Yoast SEO v19.10) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can Homeowners Insurance Cover Damage During a Move? - Bellhop<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can Homeowners Insurance Cover Damage During a Move?\" \/>\n<meta property=\"og:description\" content=\"Bellhop allows you to choose from a variety of local, long-distance, and labor-only moving services that suit your needs and budget.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.getbellhops.com\/blog\/can-homeowners-insurance-cover-moving-damage\/\" \/>\n<meta property=\"og:site_name\" content=\"Bellhop\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BellhopMoving\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-19T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" 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