You can usually purchase full coverage from your homeowners insurance company or arrange with the mover for full depreciated or full replacement valuation. The mover's basic liability for your goods is usually limited to an amount in cents per pound per article. The amount varies depending on the mover. However, movers generally limit the liability to a certain number of cents per pound per article from which they project their rate structure for moving service charges. Consequently, under law, all movers must offer and provide you with the opportunity to declare a full valuation for your goods.
Most movers use a formula to determine minimum declarations.
There is a charge for the valuation you declare. Movers generally apply a formula of weight times a dollar amount to determine minimum declaration for these new types of valuations. If a mover damages an item that is part of a matched set, they are only liable for that item, not the entire set. If you are moving antiques, they should be appraised by a recognized expert before moving. List your antiques and their value specifically on the contract.