Updated 2026-11-01
On interstate household goods moves, the mover's liability for loss or damage depends on the valuation option in the shipping documents. Federal rules in 49 CFR Part 375 require movers to offer full value protection, and allow a released value option that customers may choose in writing.
Full value protection
Under full value protection, the mover is liable for the replacement value of lost or damaged goods, up to a declared value for the shipment. The mover may repair, replace or pay. Movers can limit liability for items of extraordinary value unless the customer lists them in writing.
Released value
Released value is a lower level of liability, set at a fixed amount per pound per article. Customers must select it with a signature, and it is offered at no extra charge. It often pays far less than an item's real value, which is why clear explanation matters.
Where cargo insurance comes in
Valuation is the mover's promise to the customer; cargo insurance is what pays the mover's liability, subject to its own limits. A shipment with high declared value under full value protection can exceed a low cargo limit. Goods held in a warehouse may need storage coverage instead.
Paperwork habits
- Make sure the bill of lading shows the valuation selected and the customer's signature
- Keep the inventory with condition notes at pickup and delivery
- Explain the options before the move day, not at the truck
The valuation page summarizes how this ties to claims.