While we take great care to ensure your personal items are not damaged, there is an inherent risk of damage to items associated with moving. In order to mitigate this risk, we offer several affordable valuation coverage plans.
Protect your items at the level that’s right for you.
We offer the following valuation coverage plans. The payouts for any damage to your items that we cause is determined by the items weight and your selected level of protection.
The Minnesota Department of Transportation requires that all licensed professional moving companies provide a basic valuation coverage at no extra cost to the customer. This state-required option covers your personal items at $0.60 per pound in the case of loss or damage. If you opt not to purchase additional coverage there will still be some form of compensation in the case of loss or damage.
Coverage Rate: $2 / lb
Coverage Rate: $2 / lb
Coverage Rate: $4 / lb
HOW IT WORKS
We take the weight of the damaged item, multiply it by your coverage rate, and subtract your deductible. Look at the examples below.
Customer purchases Premium Coverage for $75. The fabric on their 135 lb. couch is torn by a hand railing when going down the stairs.
(135 lb. x $4) – $100 = $440 Payout
Customer selects MN Required coverage. Their 40 lb. coffee table gets cracked in the back of the truck during transportation.
40 lb. x $0.60 = $34 Payout
Why based on weight?
Other companies claim to offer full replacement options. The reality of these options rarely line up with customer expectations. More often than not, our competitors do NOT compensate you to replace your item.
We wanted to be more honest and transparent in our approach. We also wanted to be able to offer payouts quickly. While we do offer a full replacement option, the process to determine payout can be convoluted and the best option is often to have an item repaired.
With our weight-based approach, you almost immediately have a good idea of how you will be compensated and you can even have that compensation applied to your final bill before your service is completed.
If you are interested in hearing more about our full replacement plan, please speak with one of our Moving Consultants.
What about items that cost a lot, but don't weigh a lot?
In looking at the information we’ve collected over the years is that most items that don’t weigh much, but are worth a lot are often times TVs, lamps, and art. These items do NOT travel well in the back of our vehicles.
We recommend that any items that fall into this category be moved in a personal vehicle. Our Muscle Movers will happily load and secure the items in your personal vehicle. Alternatively, we offer various products for purchase and rental that can provide additional protection for such items, if a personal vehicle is not an option.
When do I select my valuation coverage?
On the day of your service, during the initial paperwork, our Service Lead will ask you which option you would like to select.
How does valuation coverage work for storage services?
If you are using our storage service, you can purchase valuation coverage that extends from your load service, through your time in our storage, all the way through your unload service for twice the cost of any plan. So, if you’d like to purchase Extended Protection for your storage service, you would purchase it for $60 on your load service and then it extends through your unload service.
Is valuation coverage the same as insurance?
Valuation coverage is similar to insurance in a lot of ways, but is not quite the same.
With insurance you purchase a policy, pay a premium and that covers your items up to a certain limit. It also can cover damages or loss due to a range of causes – from acts of God to negligence.
Valuation coverage, on the other hand, pays out at an agreed upon rate or amount and is only enforceable if the damage or loss is found to be caused by the movers.
Professional Moving Companies are not legally allowed to sell insurance.
You can however purchase moving insurance from various other organizations, which we recommend if you are especially concerned about the safety of your items.
When You're Not Sure Something Will Fit
There are times when a furniture item will not fit where you want it to go. The most common situations where this happens are with couches, large bed headboards, and queen sized box springs going around tight corners and up stairs with low clearance.
You can measure your items and the space they are moving through to see if they will fit in advance. Keep in mind that the clearance of a staircase with a sloped ceiling is not from the ceiling straight down. You should measure from the lowest part of the ceiling at a 45 degree angle down to the stairs.
Queen box springs can be tilted at an angle to get a little more clearance, but many smaller houses with converted attic bedrooms will not fit a queen box spring up those stairs. You can purchase queen box springs that come in 2 small pieces if necessary, and many modern bed designs don't use box springs at all. King beds always use 2 twin box springs and should fit, though the mattress may need to be folded and forced up the stairs, which is not recommended for mattresses with metal springs in them.Couches are more difficult to judge because they are a unique shape that can be lifted and twisted around corners that at first seem too tight. The legs of the couch should be removed if possible to give the item more clearance. Some refrigerators, freezers and exercise equipment may also not fit in some spaces, like down narrow basement stairways.
If there is a questionable turn that, even after measuring, you aren't sure your couch will fit around, we recommend that you have a backup location for the couch to go in case it doesn't fit. If your home has a walk-out basement we may be able to bring an item through that door instead of moving it down the stairs.
Our movers are experts at fitting items through tight spaces, so if it is possible we will get it there. We will not, however, hoist items up to balconies or use ladders to bring items to an upper level. If it is a really tight fit and our movers think that we may damage the item or the home while moving, we may require a risk of damage acknowledgement to be signed.