By law interstate movers are required to offer two different liability options called "valuation coverage". You can either get Full Value Protection or Released Value. Under Full Value the mover is required to replace, repair, or make a cash settlement for damaged items, and you usually have to pay extra for this option. However, the mover can place limitations on this, so it's important that you get a written statement of these limitations before you agree to the conditions. Under Released Value you don't have to pay extra for insurance, but the liability is limited to $0.60 per pound per item. Released Value must be specifically signed for, otherwise you will be automatically charged for the Full Value option. If you choose Released Value, you can also use third party insurance to cover the rest of the lost value. Many movers will offer third party insurance options on their site. You may also already be covered by your homeowner's insurance. Some of these laws may differ if you are moving within the same state.