Binding vs. Non-Binding Moving Estimates Explained
How binding and non-binding moving estimates differ at delivery, what the 110% rule covers, and what to ask before you sign. Interstate rules only.
Reviewed September 4, 2026 · General information, not legal adviceOn an interstate household-goods move, a written estimate must say whether it is binding or non-binding. A binding estimate guarantees the total for the goods and services listed on that estimate. A non-binding estimate is what the mover believes the move will cost; final charges follow actual weight and the tariff. The 110% rule limits what may be required at delivery and does not stop later billing. Local moves follow state rules.
What a binding estimate does
For an interstate move, a binding estimate must be in writing and clearly describe the shipment and services covered. At delivery, the mover generally cannot require more than the binding amount for those listed services. Charges may still arise for customer-requested additions or certain conditions handled under federal rules.
FMCSA's official estimating-charges guidance explains the requirements and the choices a mover has if the shipment or requested services change before loading.
What a non-binding estimate does
A non-binding estimate gives a general idea of cost but does not commit the mover to that total. For an interstate shipment, the final charge is based on the mover's tariff, actual shipment, and services provided.
Federal rules limit what may be collected at delivery for the quantities and services shown in a non-binding estimate, but that delivery limit is not the same as a cap on the final bill. FMCSA provides a concise binding-estimate overview.
What can change either estimate
Inventory changes, extra packing, different access conditions, storage, waiting time, or other services outside the written scope may create additional charges. Before loading, ask for any revised estimate or written attachment and read it before agreeing.
Do not rely on a salesperson's verbal description if the document says something different. Ask for corrections in writing.
Questions to ask
- Does this written estimate state that it is binding or non-binding?
- Which inventory and services are included?
- Which quantities are estimated, and how will they be measured?
- What circumstances can add charges?
- If the scope changes, when will I receive a revised written estimate?
A note about local moves
Federal household-goods rules discussed here focus on interstate moves. Intrastate and local moves can follow state-specific rules. Check the appropriate state regulator or consumer-protection office when the shipment stays within one state. This guide is general information, not legal advice.