Moving can be a whirlwind of logistics, heavy lifting, tight schedules, and emotional goodbyes. As you’re boxing up everything you own, one question often lingers: what happens if something gets lost or damaged during the move? It’s a valid concern—and one that every homeowner, renter, or business relocating their operations should understand before the first box is ever loaded onto a truck.
When you hire a professional moving company like Big Bear Movers, you’re not just paying for labor and transport. You’re also placing your trust in a team to handle your personal belongings with care. But even the most experienced movers can’t prevent every accident. So the real question becomes: do movers actually cover lost or damaged items?
Understanding What “Coverage” Really Means
The term “coverage” in the moving industry can be misleading. Many customers assume that their belongings are automatically insured against loss or damage when hiring a moving company. In reality, moving companies are required by law to offer a level of liability, not full insurance.
This liability comes in the form of valuation coverage, which determines the mover’s financial responsibility if your items are lost or damaged during the move. The two most common forms of this coverage are Basic Protection and Full-Value Protection. Each carries different levels of compensation, responsibility, and claim procedures.
What Is Included in Basic Protection?
Basic Protection, also known as Released Value Protection, is offered at no additional charge and is the minimum level of liability that movers are legally required to provide. Under this plan, the mover assumes liability for only a small portion of the item’s value—usually around $0.60 per pound per item.
If, for example, a 50-pound television valued at $800 is broken during the move, you would receive just $30 in compensation under Basic Protection. That’s because the payout is based on weight, not the item’s actual worth. This form of coverage is often not enough to replace or repair most modern appliances or electronics.
At Big Bear Movers, we make sure clients understand the limitations of Basic Protection before proceeding. It may suffice for low-value moves or when you already have external insurance, but it’s not designed for full restitution.
Full-Value Protection: A More Comprehensive Option
Full-Value Protection offers a higher level of accountability. Under this plan, the moving company is responsible for either repairing the damaged item, replacing it with a similar item, or offering a cash settlement for its current market value. The coverage applies to the declared total value of the shipment and typically includes deductibles and premium costs that vary by provider.
When you opt for Full-Value Protection with Big Bear Movers, we help assess the appropriate declared value based on your inventory. We also provide guidance on filing claims and documenting high-value items to ensure smooth processing if a loss occurs.
It’s important to note that even Full-Value Protection may come with exclusions, particularly for items not packed by the moving company or goods that are not properly declared.
The Role of Proper Packing and Inventory
Coverage claims—whether for damage or loss—depend heavily on documentation. When items go missing or arrive broken, movers will ask for proof that those items existed and were in good condition prior to the move.
That’s why detailed inventories and photos are key. If you’re using Full-Value Protection, it’s strongly advised to let the moving company pack your fragile or valuable items. If you pack on your own, you may inadvertently void coverage for those goods if something breaks due to inadequate materials or improper technique.
At Big Bear Movers, we offer professional packing services that not only safeguard your possessions but also ensure maximum eligibility under your chosen protection plan. Our movers are trained to pack according to valuation standards so that you’re covered if anything goes wrong.
When Is the Mover Not Responsible?
Despite your coverage plan, there are circumstances where movers may not be held liable for lost or damaged items. These exceptions include:
Items damaged due to natural disasters or extreme weather events
Items packed by the customer without adequate protection
Hazardous or restricted items that were not disclosed
Perishables or live plants
Valuables such as jewelry, cash, or documents not declared in advance
In these cases, even Full-Value Protection may not cover the loss. That’s why it’s essential to disclose any high-value items ahead of time and consider a third-party insurance policy for added protection.
At Big Bear Movers, we ask clients to inform us of sensitive or high-value items during the planning phase so we can ensure all necessary precautions—and disclosures—are made in advance.
How to File a Claim for Lost or Damaged Items
If something goes wrong during your move, the first step is to document the issue as soon as it’s discovered. Take clear photos, locate your inventory list, and notify the moving company in writing. Most moving companies will provide a formal claim form that must be completed within a certain time frame—typically 9 months from the date of delivery.
Once the claim is submitted, the company will investigate the situation and respond within 30 days, though resolution timelines can vary. If you’ve opted for Full-Value Protection, you may be asked to choose between repair, replacement, or a cash settlement.
Big Bear Movers works directly with clients to streamline the claims process. We aim to resolve all issues efficiently and transparently, keeping the stress level as low as possible during an already stressful time.
Is Homeowners Insurance an Alternative?
Some people rely on their homeowners or renters insurance to cover lost or damaged items during a move. While this is sometimes possible, many policies only cover damages that occur under specific conditions or within a limited range. Furthermore, most policies will not cover damage caused by movers unless explicitly stated in the policy.
If you’re planning a move, call your insurer ahead of time to confirm what’s covered, and consider a short-term moving insurance policy if necessary. However, it’s always smart to have some level of valuation protection from your moving company, whether Basic or Full-Value.
The Value of Choosing the Right Mover
Coverage aside, one of the best ways to avoid loss or damage is to choose a reputable moving company from the start. Companies with a strong track record of handling items with care, offering clear communication, and resolving claims fairly reduce the chances of mishaps and disputes.
At Big Bear Movers, our reputation is built on reliability, professionalism, and accountability. We don’t just move boxes—we protect what matters to you. That’s why we offer both Basic and Full-Value Protection options, transparent policies, and exceptional customer support before, during, and after the move.
Transparency Is the Foundation of Trust
Many moving companies bury liability clauses in small print or avoid explaining the difference between valuation coverage and insurance. At Big Bear Movers, we do the opposite. We walk each client through their options, discuss what’s realistically covered, and help them decide what level of protection makes sense for their unique situation.
Whether you’re moving down the street or across state lines, we want you to feel informed, protected, and confident that your belongings are in the best hands possible.
Final Thoughts: Know Before You Move
The answer to the question “Do movers cover damaged or lost items?” is both yes and no—depending on the circumstances, the coverage plan you select, and how well everything is documented.
Basic Protection offers minimal compensation based on weight, while Full-Value Protection provides more robust reimbursement but comes with its own rules and conditions. Beyond that, the responsibility also falls on the customer to declare high-value items, pack properly, and report issues in a timely manner.
By working with experienced professionals like Big Bear Movers, you get more than moving trucks and muscle—you get a partner committed to protecting your belongings and making the relocation process smooth and stress-free. If you’re planning a move and want to understand your options for coverage, reach out to us today. We’ll help you make the best decision to safeguard everything that matters to you.