SF Bay Area Moving
Protect Your Belongings During Your Move
We follow all California state regulations for valuation coverage and offer premium protection options for customers who want complete peace of mind. Choose the level of coverage that best matches the value of your items and your comfort level with risk.
Coverage Options
EVERY MOVE INCLUDES BASIC COVERAGE. YOU MAY UPGRADE TO FULL REPLACEMENT COVERAGE FOR STRONGER PROTECTION.
Included in Every Move
Basic Valuation Coverage
$0.60 per pound, per item — FreeBasic Coverage is the minimum protection required by California law and is automatically included in your move. It provides limited compensation based on the weight of each item, not its actual value.
Best for customers who understand the risk and are comfortable with minimal protection.
Optional Upgrade
Full Replacement Value Coverage
Premium protection based on real valueFull Replacement Coverage is designed for customers who want their items repaired or replaced at current market value, instead of being compensated by weight only.
This coverage applies up to the total declared value of your shipment. You choose the deductible level:
- $500 Deductible — $3.50 per $100 of coverage
- $250 Deductible — $5.00 per $100 of coverage
- $0 Deductible — $7.50 per $100 of coverage
$500 deductible → $20,000 ÷ 100 × $3.50 = $700
$250 deductible → $20,000 ÷ 100 × $5.00 = $1,000
$0 deductible → $20,000 ÷ 100 × $7.50 = $1,500
Items of Extraordinary Value
HIGH-VALUE ITEMS MUST BE LISTED INDIVIDUALLY TO BE FULLY PROTECTED.
Certain items require special handling under our valuation policy. These are considered Items of Extraordinary Value, typically any item worth more than $1,000 or items with a very high value relative to their weight.
Examples include:
- Artwork, sculptures, and framed pieces
- Jewelry and watches
- Fine collectibles and antiques
- Designer handbags and luxury fashion items
- High-end electronics, TVs, and audio systems
- Musical instruments
To qualify for Full Replacement Coverage, these items must be declared individually on your insurance form and, in accordance with our guidelines, must be packed by SF Bay Area Moving for liability to apply.
How the Insurance Process Works
WE KEEP THE PROCESS SIMPLE AND TRANSPARENT FROM START TO FINISH.
Decide whether Basic Coverage is sufficient or if you prefer Full Replacement Coverage based on the value of your belongings and your risk tolerance.
Click "Complete Insurance Form" to enter your declared shipment value, select your deductible, and list any items of extraordinary value. Our automatic calculator will then provide an approximate cost for the selected coverage.
Our moving consultant will review your list, calculate the cost using your declared value and deductible, and update your moving estimate for approval.
On moving day, our crew reviews your declared items and inspects their condition before loading. You sign to confirm the list and condition.
At your new home, the crew inspects the same items again. You sign to confirm delivery condition, noting any damage if applicable.
If there is a covered loss, our team guides you through the claims process in accordance with the valuation option selected and applicable regulations.
Frequently Asked Questions
A FEW QUICK ANSWERS ABOUT HOW COVERAGE WORKS WITH SF BAY AREA MOVING.
Ready to finalize your coverage?
Complete the insurance form so we can add the right level of protection to your moving estimate.
