Moving Insurance in San Diego — Valuation & Protection Options

Get the right coverage for your move—apartment, condo, house, or office. We’ll explain options in plain English, issue COIs fast, and build coverage into your estimate.

Licensed & Insured • COIs for Buildings/HOAs • Apartment & High‑Rise Specialists • Full Value & Released Value Options • Clear, Itemized Estimates

Your Coverage Options

Choose what fits your risk tolerance and budget. We’ll explain each option, complete the paperwork, and add it to your estimate.

Released Value (Included)

$0.60 per lb per article

Basic carrier liability at no extra charge. Best for low‑value, easily replaced items.

No cost add‑on
Coverage based on weight, not item value
Not ideal for high‑value pieces

Full Value Protection

Repair, Replace, or Cash Out

Adds protection up to your declared value with deductible options.

Choose a deductible ($0 / $250 / $500)
Set declared value for shipment
Best for households with high‑value items

Third‑Party Policies

Extra Coverage When Needed

For specialty or gap coverage. We’ll share partners and paperwork.

Good for antiques, fine art, or collections
Policy terms issued by the insurer
Priced separately from your move

This page summarizes coverage choices; final terms are set in your estimate and policy documents.

Apartments & High‑Rises: COIs, Elevators & Rules

We coordinate with building staff, reserve elevator windows, and issue certificates of insurance (COIs) quickly. Protection includes door, jamb, and floor covers where needed.

COIs sent to management on request
Elevator/quiet‑hours planning
Pad‑wrap, runners, and corner guards

High‑Value Pieces: Add Riders & Custom Crating

For pianos, artwork, glass, and heirlooms, we recommend Full Value Protection and, where appropriate, custom crating. We’ll note serials, take photos, and plan the route.

Piano teams & specialty gear — learn more
Artwork and glass crating (on request)
Photo inventory for storage or transit

What We Include On Every Move

Professional Pad‑Wrap

Furniture is blanket‑wrapped before loading.

Home Protection

Door, jamb, and floor protection as needed.

Assembly/Placement

Disassembly/reassembly & room‑by‑room placement.

What Affects Your Valuation Cost

Declared value: The overall value you choose for the shipment.
Deductible: Higher deductibles lower the premium.
Special items: Pianos, artwork, glass, or antiques may need riders or crating.
Documentation: Photos, serial numbers, and existing damage notes speed up any claims.

Moving Insurance FAQs

Is Released Value enough?

It’s included at no cost and pays $0.60 per pound per article. Many customers choose Full Value Protection for high‑value items or whole‑home coverage.

How does Full Value Protection work?

You select a declared value for your shipment and a deductible. If something is damaged, the remedy is to repair, replace with like kind/quality, or cash settlement, subject to policy terms.

Can you issue a COI for my building?

Yes. Send us the building’s requirements and email, and we’ll issue the certificate quickly.

What’s the claims process?

Report issues as soon as possible. We’ll gather photos, item details, and documentation and guide you through the carrier or third‑party process.

Do you offer storage coverage?

Yes—ask about storage options with photo inventory if your dates don’t align.

Note: This page is a general overview and not a policy. Terms/limits are defined in your signed estimate and any third‑party policy documents.

Moving Insurance