Moving Insurance in California: 60 Cents a Pound vs. Full Value
"Your stuff is covered" usually means 60 cents a pound. Here's what that really pays and how to choose better protection.
By Fast Easy Moving Editors · Updated
It's valuation, not insurance
Movers don't technically sell insurance. They offer valuation, which sets how much the mover is liable for if your things are lost or damaged. The default levels are lower than most people assume.
California moves
Under the Max 4 tariff, your choices look like this:
- Basic coverage: 60 cents per pound per article, included in the rate. A 10 lb laptop is covered for $6.
- If you don't declare a value, coverage defaults to actual cash value up to $20,000.
- Actual cash value coverage: up to $0.96 per $100 of declared value.
- Full value coverage: up to $1.84 per $100 of declared value, or less with a deductible ($0.58 with a $250 deductible, $0.32 with $500).
Interstate moves
For interstate moves, Full Value Protection is the default, with a minimum value of $6.00 per pound times the weight of the shipment. You can waive it in writing and choose Released Value, which pays 60 cents per pound per article. Waiving it saves money up front and costs a lot if something breaks.
Choosing a level
Add up what it would cost to replace your most valuable items, then compare that against the declared value and deductible. Check whether your homeowners or renters policy covers goods in transit, and photograph high-value items before packing.
Keep reading
In San Diego County? See our city guides for local permits and utilities.
Sources
Last checked October 2026.