Moving Insurance with RL Relocation
When preparing for a move—whether you’re relocating across Orange County or heading out of state—understanding your moving insurance coverage is crucial. Accidents can happen, but the right insurance ensures you won’t face unexpected financial burdens if anything goes wrong. At RL Relocation, we’re transparent about how our insurance coverage works. Like all licensed moving companies in OC, we must carry $1 million in liability insurance and $750,000 in cargo insurance. In this resource guide, we’ll explain what these policies mean, where they apply, and what additional steps you can take to maximize peace of mind.
Expert Professionals in Orange County
At RL Relocation, our business revolves around people—both our clients and our team members. We believe in building trust through professionalism and reliability:
- Rigorous Training: Our staff undergoes ongoing training and development to stay current with best practices in the moving industry.
- Customer-Centric Approach: We maintain open communication with our customers throughout the process. You’ll always know where your belongings are and what the next steps will be.
- Safety and Compliance: We adhere to all relevant regulations and use proper lifting and transport techniques to keep our movers, customers, and items protected.
Why Is Moving Insurance Important?
Moving involves transporting your entire life’s belongings from one location to another—often over long distances and through unpredictable conditions. Even with careful planning and experienced movers, uncontrollable factors (like traffic accidents or extreme weather) can occur. Moving insurance:
- Protects Your Valuables – Coverage helps you recover or repair items in case of damage.
- Offers Peace of Mind – Having a safety net alleviates stress, allowing you to focus on settling into your new home.
- Meets Legal Requirements – Every legitimate moving company must carry minimum coverage to operate in compliance with regulations.
For more moving essentials, check out our Packing & Unpacking Services to ensure your items receive professional-grade protection from day one.
Understanding Moving Insurance Basics
Before diving into the specifics of RL Relocation’s insurance, let’s clarify the types of coverage moving companies generally hold:
- Liability Insurance
Protects against property damage or personal injury claims that may arise during the moving process. - Cargo Insurance
Covers the actual goods being moved, ensuring financial relief if your belongings are lost or damaged in transit.
Released Value vs. Full Value
- Released Value Protection (RVP)
This is the most basic type of cargo coverage, often offered at no additional cost. However, it typically provides coverage at a low rate (for instance, around 60 cents per pound per item). - Full Value Protection (FVP)
More comprehensive coverage that reimburses you for either the repair or replacement cost of a damaged item. This option usually comes with an added fee. Check with your moving provider or a third-party insurance company to see if upgrading to full value protection is beneficial.
Although both Released Value and Full Value coverage help in different ways, it’s important to note they do not replace standard homeowner’s or renter’s insurance. If you need extra protection, you can often purchase additional policies from third-party insurers.
RL Relocation’s Insurance Coverage
At RL Relocation, we prioritize safety and comply with all industry regulations:
- $1 Million Liability Insurance
By law, we carry at least $1 million in liability insurance. This policy safeguards you and your property against damage to your home or surroundings that might happen while moving. For instance, if a mover accidentally scrapes a wall or damages a doorway, our liability insurance would address potential repairs.
- $750,000 Cargo Insurance
We also hold a $750,000 cargo insurance policy, ensuring your possessions are covered during transit. Although this coverage is designed to provide compensation for damaged or lost items, it’s important to remember that basic coverage may not always equal the full replacement cost of high-value belongings. If you have especially valuable or irreplaceable items, you might consider supplemental or third-party coverage for added protection.
How Does Our Coverage Compare to Other Moving Companies?
The quick answer: it doesn’t differ much. All legitimate movers operating in the United States must meet certain state and federal guidelines for liability and cargo insurance. Our $1 million liability policy and $750,000 cargo policy align with these industry standards. However, what sets RL Relocation apart is how we handle and care for your property, using top-of-the-line equipment and professional packing techniques to minimize risks in the first place.
For more details on how our team delivers worry-free moves, visit our Residential Moving page or call us at (949) 444-8590.
Get a Free Quote for Your Orange County Move
Key Considerations for Homeowners and Renters
Even with solid coverage in place, taking proactive steps can further reduce risks and expedite claims:
Proper Packing
If you’re packing on your own, invest in sturdy boxes, bubble wrap, and high-quality tape. Label boxes with “Fragile” where appropriate. Or, leave it to our
Packing & Unpacking Services to ensure every item is professionally secured.
Ask About Additional Coverage
Confirm whether your moving company offers full value protection or other upgraded coverage options. Alternatively, contact third-party insurers for a customized plan, especially for valuable or delicate belongings.
Verify Licenses and Insurance
Always work with a fully licensed and insured moving provider. You can check a mover’s license by visiting the Federal Motor Carrier Safety Administration website.
File Claims Promptly
If you discover any damage after delivery, notify your movers or insurer immediately. Prompt reporting helps ensure a smoother claims process.
Filing a Claim with RL Relocation
Should you need to file a claim, we strive to make the process as straightforward as possible:
Contact Our Office
Call (949) 444-8590 or email us immediately after noticing any damage. Provide your move date, invoice number, and a description of the issue.
Documentation
Take clear photos of damaged items and keep all related evidence (such as packaging materials). This ensures accurate evaluation and helps us process your claim faster.
Assessment and Resolution
Our claim specialists will assess the situation. If it’s covered under our cargo policy, we’ll discuss repair or replacement possibilities. For liability concerns, we’ll coordinate with any relevant parties to resolve property damage matters.
Common Questions About Moving Insurance
Does RL Relocation’s insurance cover every item in my home?
We carry $750,000 in cargo insurance, but basic coverage is typically Released Value Protection. If you want full replacement value, you may need an upgraded plan or third-party insurance.
Are my belongings covered if I use my own packing materials?
We still provide coverage, but any damage resulting from improper packaging may limit the settlement amount. To minimize the risk, we suggest professional packing.
How do I know if I need additional coverage for my move?
If you have high-value or irreplaceable items, an upgraded policy or third-party coverage is often worth considering. It’s better to invest in extra protection than risk extensive financial loss.
Can I rely on my homeowner’s insurance instead of purchasing extra coverage?
Some homeowner’s or renter’s policies partially cover belongings during a move, but coverage varies widely. Contact your insurer to verify what applies.
Contact Us
Ready to begin planning your move-in or business relocation? Call us or request a quote and we’ll guide you through the process, ensuring you have all the information you need for a successful move.
RL Relocation
Monday: 7AM – 7:30PM
Tuesday: 7AM – 7PM
Wednesday: 7AM – 7PM
Thursday: 7AM – 7PM
Friday: 7AM – 7:30PM
Saturday: 7AM – 7PM
Sunday: 9AM – 2PM