dallas moving insurance options

Whether you're moving from one side of town to the other, or moving from Texas to New York, it's important to consider the right amount of valuation protection for your move.  At Garrett's Moving and Storage, we offer two options for you.  

Valuation Protection is covered by regulations that have governed every mover dating back to the 1930s.  Any mover that you work with MUST offer two options, and we have solution providers for local and long-distance moves: Full Value Protection and Released Value.

Local Moves

Locally, our Full Value Protection is a premium service and is offered through our agent, Baker International.  This plan will covers the replacement cost of any items damaged or lost during the move.  There are some restrictions, so it's best to review the full terms and conditions.  There are two links below for your convenience,  one includes a form that can be completed and faxed in, and the other is a fillable form where you can enter the data in the form, and then send it to us.

Baker International - Valuation Protection - Terms and Conditions - Fillable Form

Baker International - Valuation Protection - Terms and Conditions - Form to Print

At Garrett's Moving, we highly recommend taking advantage of the Full Value Protection option.  This gives you the best coverage during the move, and will give you peace of mind that you're covered.  The alternative option is Released Value, and is offered by Garrett's Moving at no additional charge.  Under this option, we assume liability for no more than 60 cents per pound per article. For example, if a 10-pound stereo component was lost or damaged valued at $1,000, you would only receive $6.00 in compensation (60 cents x 10 pounds).  As you can see, the Full Value Protection option would be far superior in this instance.  You may also choose to get a policy from your own agent, and we're happy to work with them, too.

Interstate Moves

Limited Liability - The standard coverage for your belongings is set at 60 cents per pound. In the event of damage, the claims settlement is simply based on the weight of the item. Please note, boxes you pack yourself will carry different liability coverage than boxes packed by your carrier. At Garrett's, we can provide all the details to ensure you fully understand your coverage options and guide you to the best decision.

Full Replacement Value Protection (RVP) policies use a $6 per pound release value. In other words, if you decide to buy RVP on your shipment and it gets weighed at 10,000 pounds, the default value for your belongings will be set at $60,000. If you want to increase that value, you can. But keep in mind that you must decide your valuation coverage and the level of your deductible before any of your belongings make it onto the moving van

These concepts are explained in much greater detail in two brochures.  One produced by the Texas Department of Motor Vehicles which discusses in-state moves, and the other, produced by the US Department of Transportation.

Texas DMV Brochure

Ready to Move Brochure from USDOT

Once your belongings are delivered long distance customers have 9 (nine) months to file a claim and local moves have 90 (ninety) days.  Once a claim is received, we send an acknowledgement which outlines that closure will happen within a 90-day window following the date of receipt.  Then, based on the coverage and scope of damage, we will either send an inspector/repair specialist or close the claim based on weight of qualified damages.  Qualified damages are those we are able to accept responsibility for.  Packed By Owner (PBO) damages are not qualified damages unless there is damage to the carton or other obvious signs of mishandling.

Agent for Wheaton Interstate Moving

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Garrett's Moving & Storage, Inc., Moving & Storage Company, Garland, TX

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