Do You Really Need Moving Insurance? What Pro Movers in Philadelphia Want You to Know

Confused about moving insurance? Our professional movers in Philadelphia explain what’s covered, what’s not, and why skipping it could cost you more than you think.

Why Moving Insurance Matters More Than You Think

You trust your movers — and you should. But things like unpredictable weather, tight stairwells, or even a sudden pothole can cause unexpected damage. Moving insurance gives you peace of mind, knowing that if something does go wrong, you're covered.

What’s Typically Covered (and What’s Not)

Basic coverage (called “valuation coverage”) is usually included in your moving agreement, but it’s minimal — often around $0.60 per pound. That means if your $1,000 flat-screen TV weighs 50 pounds, you're only entitled to $30 in compensation.

Third-party insurance, on the other hand, can cover the full replacement value of your belongings. It often includes protection for:

Fragile items like glass or electronics
Accidental drops or collisions
Water or structural damage during the move

Real Risks: Accidents Even Local Moves Can’t Avoid

You might be moving just a few blocks, but damage doesn’t care about distance. Tight parking, narrow rowhomes, and multi-story buildings in Philly all increase the risk of scratched furniture, broken frames, or worse. Insurance is your backup plan for the unpredictable.

When Should You Seriously Consider It?

If you’re moving:

Expensive electronics or artwork
Antique or sentimental items
Into or out of high-rise buildings or tight staircases