When preparing for an apartment move in Plano, TX, most people focus on packing, logistics, and costs. But one essential detail often gets overlooked—liability coverage for movers. Accidents can happen, and even with the most careful moving crews, damages or losses are possible. Understanding your liability options helps you protect your belongings and make informed decisions when hiring professional movers.
In this article, we’ll explain the types of liability coverage available, compare options, and show why choosing the right protection can save you from stress and unexpected expenses.
1. Why Liability Coverage Matters in Apartment Moves
Apartment moves come with unique challenges: narrow staircases, elevators, and tight hallways. Even skilled movers can face situations where:
- Furniture scrapes walls or doorframes.
- Fragile items break during transport.
- Electronics or appliances are accidentally damaged.
Liability coverage ensures that if something goes wrong, you’re not left covering the costs yourself.
2. Basic Liability Coverage (Released Value Protection)
By federal law, moving companies must provide a basic level of protection known as Released Value Protection. Here’s how it works:
- Movers cover your belongings at 60 cents per pound per item.
- This coverage is automatically included in the base moving cost.
- It offers minimal protection, often insufficient for high-value items.
Example: If a 50-inch TV weighing 50 lbs is damaged, you would only receive $30 (60 cents × 50 lbs), regardless of its actual value.
3. Full Value Protection
For customers seeking stronger coverage, most moving companies offer Full Value Protection (FVP):
- The mover is responsible for replacing, repairing, or reimbursing the actual value of damaged items.
- Coverage applies to the entire shipment, not just individual items.
- While more expensive, it provides peace of mind for valuable belongings.
Plano residents moving apartments often choose FVP for electronics, antiques, or expensive furniture.
4. Third-Party Moving Insurance
Some customers prefer to purchase separate third-party moving insurance:
- Policies can cover events beyond the mover’s liability (such as natural disasters or theft).
- Premiums vary depending on shipment value.
- It provides a layer of protection independent of the moving company.
This option is popular for long-distance moves or when transporting fragile, high-value items.
5. Comparing Liability Options Side by Side
| Coverage Type | Cost | Compensation | Best For |
| Released Value Protection | Free (included) | $0.60 per pound per item | Budget movers with low-value items |
| Full Value Protection | Additional fee | Replacement, repair, or full value | Apartment moves with valuable items |
| Third-Party Insurance | Varies | Covers theft, disasters, full value | Long-distance or high-value moves |
6. How to Decide Which Option is Best
Your choice depends on:
- Value of belongings – If moving electronics, antiques, or designer furniture, Full Value Protection or third-party insurance is best.
- Budget – For low-cost moves with inexpensive furniture, Released Value may suffice.
- Distance – Longer moves increase risk, making higher coverage more important.
- Peace of mind – If you want total protection, Full Value or third-party coverage offers reassurance.
7. Liability Coverage and Local Plano Movers
When hiring apartment movers in Plano, always ask:
- What liability coverage is included in the base rate?
- Do they offer Full Value Protection?
- Can they recommend third-party insurance providers?
Top-rated local companies like The Move Place explain coverage options clearly and help customers choose the right fit.
8. The Move Place Approach to Safe Moves
At The Move Place, we understand that every item in your apartment matters. That’s why we:
- Provide transparent explanations of liability coverage.
- Offer packing/unpacking services to minimize risks.
- Use professional equipment to protect walls, doors, and belongings.
- Treat every move with the care it deserves.
Our commitment to safety and accountability is one reason Plano customers consistently leave positive reviews.
9. Common Misconceptions About Liability Coverage
- “Insurance is included in every move.” – False. Basic liability coverage is included, but it’s not full insurance.
- “All damages are covered no matter what.” – Not always. Items you pack yourself may not be covered under certain protections.
- “It’s not worth paying extra.” – Many customers regret not having full coverage when valuable items are lost or damaged.
Knowing these facts helps you avoid surprises.
10. Key Takeaways for Apartment Movers in Plano
- Always ask movers to explain liability options.
- Don’t assume basic coverage will protect your valuables.
- Compare Released Value, Full Value Protection, and third-party insurance.
- Choose based on your budget, item value, and distance.
Partner with trusted movers like The Move Place for guidance and reliable service.
