{"id":8272,"date":"2025-08-25T17:53:38","date_gmt":"2025-08-25T17:53:38","guid":{"rendered":"https:\/\/uniquemoversusa.com\/MN\/?p=8272"},"modified":"2025-09-22T19:38:50","modified_gmt":"2025-09-22T19:38:50","slug":"moving-insurance-info","status":"publish","type":"post","link":"https:\/\/uniquemoversusa.com\/MN\/about\/blog\/moving-insurance-info\/","title":{"rendered":"What is Moving Insurance?"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-g24h0r-3d3c84da36c4764465ac58d4e0053c66\">\n.avia-section.av-g24h0r-3d3c84da36c4764465ac58d4e0053c66{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2024\/04\/subheader.jpg);\nbackground-position:50% 50%;\nbackground-attachment:scroll;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-g24h0r-3d3c84da36c4764465ac58d4e0053c66 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_section  avia-builder-el-first  avia-bg-style-scroll av-minimum-height av-minimum-height-50 av-height-50  container_wrap sidebar_right'  data-section-bg-repeat='no-repeat' data-av_minimum_height_pc='50' data-av_min_height_opt='50'><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-8272'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034\">\n#top .av-special-heading.av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034{\npadding-bottom:10px;\ncolor:#ffffff;\nfont-size:60px;\n}\nbody .av-special-heading.av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034 .av-special-heading-tag{\nfont-size:60px;\n}\n.av-special-heading.av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-lz35a5zi-70a722b4073c4a605d9fd7a74a323034 av-special-heading-h1 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-1  avia-builder-el-no-sibling  pagetitle av-inherit-size'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >What is Moving Insurance?<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='av_section_2'  class='avia-section av-dnn1or-3a341ee0e2b564d44e1e8e1191428167 main_color avia-section-default avia-no-border-styling  avia-builder-el-2  el_after_av_section  el_before_av_section  medium avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-8272'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-c4plez-2c909f13e94a43a204763571b900f205\">\n.flex_column.av-c4plez-2c909f13e94a43a204763571b900f205{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"citypageform\"  class='flex_column av-c4plez-2c909f13e94a43a204763571b900f205 av_two_third  avia-builder-el-3  el_before_av_one_third  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><p><section  class='av_textblock_section av-lz35c9hi-12f88191956198fba1d4cf919fa2e3c0 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Moving is a big deal, and so are the things you&#8217;re taking with you. Whether it\u2019s your favorite couch or grandma\u2019s china, moving insurance helps protect your stuff while it&#8217;s in transit. But what exactly does that mean? What kind of protection do you get, and how do you know if you have enough?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hiring experienced movers you can trust for your <\/span><a href=\"https:\/\/uniquemoversusa.com\/MN\/moving\/residential\/\"><b>residential move<\/b><\/a><span style=\"font-weight: 400;\"> is the most essential part of any move. We encourage you to visit our <\/span><a href=\"https:\/\/uniquemoversusa.com\/MN\/competitors\/\"><b>Competitors Page<\/b><\/a><span style=\"font-weight: 400;\"> to easily compare different local movers. Contact the Unique Movers team if you have any other questions.<\/span> <span style=\"font-weight: 400;\">You can <\/span><a href=\"https:\/\/uniquemoversusa.com\/MN\/contact\/\"><b>fill out our contact<\/b> <b>form<\/b><\/a><span style=\"font-weight: 400;\"> or call <\/span><a href=\"tel:+13202373776\"><b>(320) 237-3776<\/b><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-a4taej-540d12b77303c8f35c8975251dcbfd58-wrap avia-button-left  avia-builder-el-5  el_after_av_textblock  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-a4taej-540d12b77303c8f35c8975251dcbfd58\">\n#top #wrap_all .avia-button.av-a4taej-540d12b77303c8f35c8975251dcbfd58{\nborder-radius:0px 0px 0px 0px;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all.avia-button.av-a4taej-540d12b77303c8f35c8975251dcbfd58:hover .avia_button_background{\nborder-radius:0px 0px 0px 0px;\n}\n<\/style>\n<a href='https:\/\/uniquemoversusa.com\/MN\/contact\/'  class='avia-button av-a4taej-540d12b77303c8f35c8975251dcbfd58 av-link-btn avia-icon_select-no avia-size-medium avia-position-left avia-color-theme-color'   aria-label=\"Request A Quote\"><span class='avia_iconbox_title' >Request A Quote<\/span><\/a><\/div><\/p><\/div><div  class='flex_column av-8pj82j-bd2d228a5b875c8daeec00e9f37bbe3e av_one_third  avia-builder-el-6  el_after_av_two_third  el_before_av_one_full  flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lz35asde-6e3ebb98d5330f3c59e1b45db3410e90\">\n.avia-image-container.av-lz35asde-6e3ebb98d5330f3c59e1b45db3410e90 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lz35asde-6e3ebb98d5330f3c59e1b45db3410e90 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lz35asde-6e3ebb98d5330f3c59e1b45db3410e90 av-styling-no-styling avia-align-center  avia-builder-el-7  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-8271 avia-img-lazy-loading-not-8271 avia_image ' src=\"https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance.webp\" alt='A bedroom neatly packed up with boxes for moving.' title='movingInsurance'  height=\"720\" width=\"720\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance.webp 720w, https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance-300x300.webp 300w, https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance-80x80.webp 80w, https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance-36x36.webp 36w, https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance-180x180.webp 180w, https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance-705x705.webp 705w, https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2025\/08\/movingInsurance-400x400.webp 400w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2k4zvl-d8a755003fdca167152796c241b81c12\">\n.flex_column.av-2k4zvl-d8a755003fdca167152796c241b81c12{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"citypageform\"  class='flex_column av-2k4zvl-d8a755003fdca167152796c241b81c12 av_one_full  avia-builder-el-8  el_after_av_one_third  el_before_av_hr  first flex_column_div av-zero-column-padding  column-top-margin'     ><section  class='av_textblock_section av-m8swqr7p-0f37082611f67e5621b0054df3a7dcbe '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>What Does Moving Insurance Cover?<\/h2>\n<p>Moving insurance helps protect your belongings in case they\u2019re lost or damaged during your move. It\u2019s important to know what level of protection is built in, and what additional coverage you may need to purchase separately.<\/p>\n<h3>Released Value Protection<\/h3>\n<p>This is the basic level of liability coverage required by federal law for interstate moves, and it\u2019s what Unique Movers provides by default. It comes at no extra cost and reimburses you at $0.60 per pound per item. For example, if a 100 lb. dresser is damaged, compensation would be $60. This type of coverage is meant to provide a minimum level of protection, not to cover the full value of your belongings.<\/p>\n<h3>Full Value Protection<\/h3>\n<p>If you want broader protection, you\u2019ll usually need to purchase insurance separately. Full value coverage typically reimburses the current market value of a damaged item or covers repairs or replacement.<\/p>\n<p>Since Unique Movers does not offer full value protection, we recommend purchasing a third-party moving insurance policy if you want this type of coverage. Policies often start around $100\u2013$300 and can be tailored for high-value or fragile items.<\/p>\n<h2>Whose Responsibility is Moving Insurance?<\/h2>\n<p>Movers are legally required to offer a basic level of protection, but anything beyond that is up to the customer to request or purchase.<\/p>\n<p>Here\u2019s where the gray area comes in: while movers carry their own general liability and cargo insurance, this covers certain conditions like damage caused by vehicle accidents or gross negligence. It doesn\u2019t cover every possible scenario. For example, if you pack your own fragile item poorly and it breaks in the box, that likely falls outside the mover\u2019s responsibility.<\/p>\n<p>To be fully protected, you may want to purchase full value protection through a third-party moving insurance policy. It\u2019s your right as a customer to choose whether you want that added peace of mind. We can help you understand your options, but the decision to secure extra coverage is entirely up to you.<\/p>\n<h2>Is Additional Moving Insurance Worth It?<\/h2>\n<p>If you&#8217;re moving anything you care about (which you likely are), some level of coverage is absolutely worth it. Even with the most careful team, accidents can happen on the road, in elevators, or during loading\/unloading.<\/p>\n<p>Cost-wise, basic released value protection is included in the move at no extra charge, but it\u2019s limited. For full value protection, third-party moving insurance policies will vary in cost depending on coverage limits and deductible amounts, but often start at around $100\u2013$300 for typical household moves.<\/p>\n<p>Having coverage in place adds an extra layer of protection and peace of mind, especially for long-distance or winter moves in Minnesota.<\/p>\n<h2>What Kind of Insurance Does Unique Movers Carry?<\/h2>\n<p>At Unique Movers, your peace of mind is built into every move. We carry general liability and cargo insurance, which means your belongings are protected while they\u2019re on the truck and in our care. We&#8217;re also licensed and insured to meet or exceed state and federal requirements.<\/p>\n<p>Specifically, Unique Movers offers Released Value Protection, which is an industry-wide standard that covers $0.60 per pound per item of damaged goods. For example, if we damage a 100 lb. dresser, we could compensate you $60.<\/p>\n<p>While we handle every item with care, always using proper equipment and professional techniques, we still encourage customers with fragile or high-value items to explore enhanced protection.<\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m6ti7d4e-d186d46feda29d7563c88e32202be96e\">\n#top .hr.hr-invisible.av-m6ti7d4e-d186d46feda29d7563c88e32202be96e{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-m6ti7d4e-d186d46feda29d7563c88e32202be96e hr-invisible  avia-builder-el-10  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6t55t7-6d09e739ba604e816b4497362cd14295\">\n.flex_column.av-6t55t7-6d09e739ba604e816b4497362cd14295{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-6t55t7-6d09e739ba604e816b4497362cd14295 av_one_full  avia-builder-el-11  el_after_av_hr  avia-builder-el-last  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-34n6aq-fcb0d537407de63bdf4301b1f6b6112a\">\n#top .av-special-heading.av-34n6aq-fcb0d537407de63bdf4301b1f6b6112a{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-34n6aq-fcb0d537407de63bdf4301b1f6b6112a .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-34n6aq-fcb0d537407de63bdf4301b1f6b6112a .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-34n6aq-fcb0d537407de63bdf4301b1f6b6112a av-special-heading-h2 blockquote modern-quote  avia-builder-el-12  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Your Peace of Mind Begins with Trusted Movers<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-m6tiu04s-7f1dd01d113230e0088f0fd84e13ba80 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">When it comes to protecting your home, belongings, and sanity, experience matters. Unique Movers has safely moved thousands of families and businesses across Central Minnesota, always with care, professionalism, and insurance that meets industry standards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re not sure what coverage is right for you, we&#8217;re happy to explain what&#8217;s included and help you make an informed decision. Our team specializes in <\/span><a href=\"https:\/\/uniquemoversusa.com\/MN\/moving\/packers-movers\/\"><b>full-service packing<\/b><\/a><span style=\"font-weight: 400;\">, expert loading, and seamless long-distance <\/span><a href=\"https:\/\/uniquemoversusa.com\/MN\/moving\/\"><b>moving<\/b><\/a><span style=\"font-weight: 400;\"> across Minnesota and beyond. <\/span><a href=\"https:\/\/uniquemoversusa.com\/MN\/contact\/\"><b>Fill out our contact form<\/b><\/a><span style=\"font-weight: 400;\"> or call <\/span><a href=\"tel:+13202373776\"><b>(320) 237-3776<\/b><\/a><span style=\"font-weight: 400;\"> today to start planning your worry-free move!<\/span><\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-2l2fdi-3e4f79140d6d3bcd403825668b06dd88-wrap avia-button-left  avia-builder-el-14  el_after_av_textblock  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2l2fdi-3e4f79140d6d3bcd403825668b06dd88\">\n#top #wrap_all .avia-button.av-2l2fdi-3e4f79140d6d3bcd403825668b06dd88{\nborder-radius:0px 0px 0px 0px;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all.avia-button.av-2l2fdi-3e4f79140d6d3bcd403825668b06dd88:hover .avia_button_background{\nborder-radius:0px 0px 0px 0px;\n}\n<\/style>\n<a href='https:\/\/uniquemoversusa.com\/MN\/contact\/'  class='avia-button av-2l2fdi-3e4f79140d6d3bcd403825668b06dd88 av-link-btn avia-icon_select-no avia-size-medium avia-position-left avia-color-theme-color'   aria-label=\"Request A Quote\"><span class='avia_iconbox_title' >Request A Quote<\/span><\/a><\/div><\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-gxhx7-d7ea4e67b54f7a41b148e31b940654cf\">\n.avia-section.av-gxhx7-d7ea4e67b54f7a41b148e31b940654cf{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/uniquemoversusa.com\/MN\/wp-content\/uploads\/2020\/08\/tealbkgimg.jpg);\nbackground-position:50% 50%;\nbackground-attachment:scroll;\n}\n<\/style>\n<div id='av_section_3'  class='avia-section av-gxhx7-d7ea4e67b54f7a41b148e31b940654cf main_color avia-section-default avia-no-border-styling  avia-builder-el-15  el_after_av_section  avia-builder-el-last  full avia-full-stretch avia-bg-style-scroll container_wrap sidebar_right'  data-section-bg-repeat='stretch'><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-8272'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-88zx7-363eef7c43f50718ea95ab825d333a8f\">\n#top .av-special-heading.av-88zx7-363eef7c43f50718ea95ab825d333a8f{\npadding-bottom:40px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-88zx7-363eef7c43f50718ea95ab825d333a8f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-88zx7-363eef7c43f50718ea95ab825d333a8f .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-88zx7-363eef7c43f50718ea95ab825d333a8f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-88zx7-363eef7c43f50718ea95ab825d333a8f av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-16  avia-builder-el-no-sibling  av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  ><a href=\"http:\/\/uniquemoversusa.com\/MN\/contact\/\">Get in touch today<\/a> for an estimate, and to answer any questions you may have about our moving services!<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_3'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-8272'><div class='entry-content-wrapper clearfix'><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":8271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69,75],"tags":[],"class_list":["post-8272","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-moving"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Moving Insurance?<\/title>\n<meta name=\"description\" content=\"Learn what moving insurance covers, what Unique Movers includes by default, and when you should consider extra protection. Clear, practical advice for a safer move.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/uniquemoversusa.com\/MN\/about\/blog\/moving-insurance-info\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Moving Insurance?\" \/>\n<meta property=\"og:description\" content=\"Learn what moving insurance covers, what Unique Movers includes by default, and when you should consider extra protection. 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