Moving Valuation Coverage on Written Estimates
Valuation is the mover’s liability option for loss or damage, not the haul price and not automatically insurance. Compare it on its own row.
Reviewed September 4, 2026 · General information, not legal adviceValuation is the mover's liability option for loss or damage. It is separate from the transportation price and is not automatically third-party insurance. Interstate household-goods moves use two federal names: Full Value Protection and Released Value. If two quotes use different options, their overall terms are not equivalent. Local rules vary by state.
Valuation is separate from the transportation price
Valuation describes how the mover's liability is set if goods are lost or damaged. It is not the haul price and is not automatically an insurance policy. Keep it on its own row when comparing files.
Two interstate options to recognize
For interstate household-goods moves, FMCSA names two liability options: Full Value Protection and Released Value. See FMCSA Liability & Protection. The option does not guarantee a claim outcome.
What to compare on the written estimate
- The valuation or liability language.
- The exact option named.
- Any stated amount, limitation, or deductible.
- Where the choice appears in the documents.
Interstate and local moves
The two federal option names above apply to interstate household-goods moves. Terms and rules for local or in-state moves may differ by state. Educational information, not legal advice.