Coverage Options and Explanation

How Sunshine Movers Goes Above and Beyond to Protect Your Belongings

Never settle for a verbal agreement when it comes to protecting your belongings. At Sunshine Movers, we will document everything we promise to you and properly explain all coverages available for your items.

Everyone’s belongings have value, whether monetary or sentimental. Our company and staff take great care to ensure that nothing is damaged in the course of a move. In the rare instances where damage claims may happen, we want you to know what coverage options we provide. It’s important to us that you are satisfied with the amount of protection available for your belongings.

Moving companies typically offer two types of coverage options for their clients. The first is the state required minimum ($0.60 per lb), and the second is full value replacement coverage.

What does it mean when a moving company is listed as a licensed and insured business? Many people assume this means they include full value replacement coverage within their services. In reality, a licensed and insured moving company is basically one that has the proper cargo, liability, and auto coverage required by the Department of Transportation and federal, state, and other regulatory bodies. It has nothing to do with the type of coverage offered.

How Do You Know What Coverage is Right for You?

Read below to find out about these coverage options and the EXTRA coverage Sunshine Movers proudly offers FREE of charge.

State required minimum of $.60 per lb. (No additional charge)

The state minimum required amount of $0.60 per lb. values your items at 60 cents per pound in the event of damage. This means your items are valued based on weight rather than actual value.

What does this mean if any of your items are damaged? When your belongings are covered up to $0.60 per pound, a damaged TV weighing only 10 pounds, would be compensated up to $6.00 to repair or replace the item.

This didn’t seem fair to us.

So, we added more options for coverage, FREE of charge.

Sunshine Movers proudly includes extra coverage for any damages that may occur up to 25% of the total move cost. This coverage falls under the same principles of full value replacement coverage.

Full Value Replacement Coverage Option

Do you want to get extra protection for your belongings? This might be the best coverage option for you.

Full value replacement coverage is available at an additional cost. When you select this protection, Sunshine Movers agrees to be liable up to a pre-set amount that represents your estimate of the value of property being moved.

With this coverage, we will repair, replace, or purchase items up to their current value. We sell this coverage at a rate of $0.89 per $100 of declared liability.

Example: $50,000 of declared value would cost $445. ($50,000 divided by $100 multiplied by $0.89).

Full value replacement coverage conditions:

  • When applicable, a high-value sheet must be filled out to include all furniture items valued over $1000 and/or miscellaneous items we pack valued over $300. This form is important, because it’s required for insurance purposes, and allows us to better prepare for the items listed.
  • The coverage value must be a minimum of $15,000
  • The insurance cost amounts to 0.89% (.89 cents per $100) of the declared value. Example: If the customer listed $15,000 as the current replacement value for their items, the coverage charges would be $133.50 ($15,000 x 0.0089).


Talk to a Sunshine Movers team member today to find out more on how to get the right protection for your belongings during a move!

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