Terms and Conditions

Total Loss Only Insuring Agreement


DEFINITIONS: Throughout this policy, "you" and "your" refer to the "insured" shown and "we", "us" and "our" refer to the Company providing this insurance.

PROPERTY INSURED: We cover your household/office goods and personal effects while in the possession of a licensed, approved Moving Insurance affiliate.

Insurance purchased as Total Loss Only Insurance must be purchased for a minimum $8.00 per pound for current replacement value coverage.

This insurance includes coverage while in storage at origin and/or destination within an approved warehouse for a total of 90 days starting from the packing date. Mini storages, self lock areas, garages and other like facilities are not considered approved warehouses. In case of a shipment being held in storage for a period of over 90 days starting from the packing date, the assured must promptly notify Moving insurance, LLC of the delay and pay an additional premium. For Truck Rental coverage, no storage coverage is offered and the coverage will expire after 30 days from policy start or effective date.


(1)  Payment is made only in the event of a total loss of the entire shipment; partial loss of the shipment or total loss of individual items does not constitute a total loss.

(2)  In case of the original moving company subcontracting this move to another moving company, the Assured must notify Moving Insurance, LLC and confirm that both companies are authorized by Moving Insurance, LLC.

(3)  In case of shipment being loaded and/or unloaded into a truck or a container by any person other than a Moving Insurance-authorized loading and unloading affiliate, this certificate will become null and void.

We do not insure:

(a)  Accounts, bills, currency, deeds, evidences of debt, securities, money, notes, animals, jewelry, watches, precious or semi-precious stones, furs or garments trimmed in fur, alcohol, cigarettes, laptop or tablet computers, mobile or cellular telephones; loss of electronic data.

(b)  Against loss or damage caused by, resulting from, contributed to or aggravated by flood, surface water, waves, tidal water or tidal wave, overflow of streams or other bodies of water, or spray from any of the foregoing, all whether driven by wind or not.

(c)  Against loss or damage caused by or resulting from wear and tear, gradual deterioration, inherent vice, latent defect, moths, insects, rodents, vermin, mildew, wet or dry rot, atmospheric condition and or changes in temperature; breakage of glass or similar fragile articles; delay, loss of use or market.

(d)  War Risk and Governmental Action to the extent set forth in the War Risk and Governmental Action Exclusion.

(e)  Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause.

(f)  Damages caused as a result of these being in the shipment: hazardous materials, items that are flammable, corrosive or explosive; perishables: food, plants or living things that may die or spoil in transit.

(g)  Appraisal fees, shipping charges, sales tax, items having no commercial value, or items of sentimental value.

(h)  Loss or damage due to contributory negligence on the part of the owner and/or their agents. Damages or loss attributed to an act, order, or omission on the part of the insured.

(i)  Loss or damage to goods, unless the claim is supported by a legitimate police or fire department report.

(j)  Loss or damage to real estate property.

(k)  Loss or damage while moving truck is under repair or in a repair facility.

(l)  Loss or damage arising out of the acts of any government, customs authority, or official confiscation. Consequential losses due to delay or any depreciation in value are not covered.

(m)  Physical loss or damage to the property carried out for political, terrorist, or ideological purposes when property is in storage.

(n)  Retail goods, Commercial goods, Merchandise for sale or exhibition.

(o)  Loss or damage to any shipment unless the premium for the insurance has been received by Moving Insurance, LLC.

AGENCY: It is understood and agreed that any person authorized by the named assured or shipper to order this insurance is acting as the agent of the Assured and is aware of the certificate terms and conditions. A customer signed certificate and terms and conditions must be received by Moving Insurance, LLC prior to moving date.

OTHER INSURANCE: If a loss covered by this policy is also covered by other insurance, we will pay only for the amount of covered loss in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Amount of Insurance.

DUTIES YOU HAVE AFTER LOSS: All claims for loss must be filed no later than 14 days from the date the loss occurred. Claims should be filed directly on our website at After filing you will be required to provide the following (a) description of how, when and where the loss occurred; (b) description of the property involved, and your interest in it; (c) the names and addresses of any witnesses; and (d) any documentation or official reports from local police or fire department agencies, supporting the claim.

The insurance carrier reserves the right to inspect and verify all reported damages and to require substantiation of any claims amounts, value of items claimed or proof of ownership.

DEDUCTIBLE: All loss or damage arising�during the certificate period�shall be adjusted in accordance with the valuations and limitation provisions of this certificate and will then be considered the "adjusted claim".�From the adjusted claim or the applicable limit of this certificate, whichever is less, the sum stated under the applicable deductible amount shown in Declarations shall be deducted. Insurer shall have no obligations under this form until the claim exceeds the deductible.

MISREPRESENTATION AND FRAUD: This document shall be void if the Assured has concealed or misrepresented any material fact or circumstance concerning this Insurance or the subject thereof. Any person who includes any false or misleading information on an application for an insurance certificate is subject to criminal and civil penalties. Notwithstanding any requirement, term, or condition of any contract or other document with the respect to which this document is issued, the insurance afforded by the certificate listed on this document is subject to all the terms of such certificate. In the event that you file a damage claim, you must file first with You cannot receive compensation for damages from the insurance carrier and the moving company. It is illegal to collect twice on the same item(s).

EXAMINATION UNDER OATH: Before recovering for any loss you will, if requested: (a) permit us to inspect the damaged property before it is disposed of; (b) send us a sworn statement of loss containing the information we request to settle your claim. You must do this within 60 days of our request; (c) agree to examinations under an oath at our request; (d) produce others for examination under an oath at our request; (e) provide us with all pertinent records and reports needed to prove the loss; (f) cooperate with us in the investigation or settlement of the loss.

LOSS PAYMENT/OTHER RECOVERIES: We will pay or make good any insured loss under this insurance within 60 days after we reach agreement with you, the entry of final judgment or the filing of an arbitration award. We will not be liable for any part of a loss which has been paid or made good by others.

LEGAL ACTION AGAINST US: No one may bring legal action against us unless: (a) there has been full compliance with all terms of this insurance; and (b) No suit, action, or proceeding for the recovery of any claim under this certificate shall be sustainable in any court of law or equity unless the same be commenced within twelve (12) months next after discovery of loss, provided, however, that by the laws of the state within which this certificate is issued such limitation is invalid, then any such claim shall be void unless such actions, suit or proceedings be commenced within the shortest limit of time permitted by the laws of such state. Any and all legal suits, actions or proceedings must be filed in the state of New Jersey, United States.

TRANSFER OF YOUR RIGHTS OF RECOVERY AGAINST OTHERS TO US: If any person or organization to or for whom we make payment under this policy has a right to recover damages from another, that right must be transferred to us. That person or organization must do everything necessary to assist us, and must do nothing after the loss to hinder us in our recovery.


(a)  "Nuclear Hazard" means any nuclear reaction, radiation or radioactive contamination, all whether controlled or uncontrolled or however caused, or any consequence of any of these.

(b)  Loss caused by the nuclear hazard shall not be considered loss caused by fire, explosion, or smoke, whether these perils are specifically named in or otherwise included within the "Covered Causes of Loss" Clause.

(c)  This policy does not apply to loss caused directly or indirectly by nuclear hazard, except that direct loss by fire resulting from nuclear hazard is covered.


This policy shall not apply to loss or damage caused, directly or indirectly, by or due to any act or condition incident to the following: (a) Hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual impending or expected attack, (1) by any government or sovereign power (de jure or de facto); or by any authority maintaining or using military, naval or air forces; or (2) by military, naval or air forces; or (3) by an agent of any such government, power, authority or forces, it being understood that any discharge explosion or use of any weapon of war employing nuclear fission or fusion shall be conclusively presumed to be such a hostile warlike action by such a government, power, authority or forces; (b) Insurrection, rebellion, revolution, civil war, usurped power, or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority, or risks of contraband or illegal transportation or trade.

CHANGES: This policy contains all the agreements between you and us concerning the insurance afforded. Its terms can be amended or waived only by written change authorized by us and made a part of this policy. Notes added to Coverage Summary by the assured can not alter or change coverage in any way.

Cancellation Clause:

  1. Cancellation of certificate for any reason must be done under the following conditions:
    1. Prior to the start of services , as indicated on the original certificate.
    2. In writing by fax, letter or e-mail with our receipt acknowledgement.
  2. A $25.00 fee will be assessed to a cancelled certificate.
  3. I acknowledge that the total cost of this policy includes insurers' premium and a Policy Fee to Moving Insurance, LLC's administrative cost and expenses.
  4. In the event the certificate is cancelled, I understand that only the premium is subject to refund, less a $25 cancellation fee.

Most accidents occur when you least expect them or when you're not covered for them.

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