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Moving Insurance & Protection Coverage

Offering moving insurance and protection coverage

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Protecting Your Belongings During Your Move

At Elite Moving & Storage, we understand that your belongings are more than just items — they represent your home, memories, and investments. While our professional movers take every precaution to safely pack, load, transport, and unload your possessions, we also offer moving protection options to provide added peace of mind throughout your move. Every move includes basic moving protection by default, with additional coverage options available for customers who want enhanced protection.

Moving Protection Options with Elite Moving & Storage

Released Value Protection (Included)

Released Value Protection is the standard protection included with your moving estimate.

  • Cost: Free — included automatically with every move
  • Covers items that are lost or damaged while in our care at a rate of $0.60 per pound, per item
  • Compensation is based on the weight of the item, not its replacement value
  • Does not cover natural disasters

This option is best suited for customers moving items with lower monetary value and minimal risk.

Full Value Protection (FVP)

For additional protection beyond Released Value Protection, customers may choose Full Value Protection (FVP).

This coverage may include:

  • Repair of damaged items when possible
  • A settlement based on depreciated value if repair is not feasible
  • Coverage selected for the entire shipment, not individual items
  • Cost: Based on the total value selected and the size of the shipment
  • Does not cover natural disasters

This option is popular for customers who want stronger protection without purchasing third-party insurance.

Full Replacement Value Insurance (Third-Party)

For maximum protection, customers may purchase full replacement value insurance through a licensed third-party moving insurance provider.

This option is ideal for:

  • Customers who want their items insured for full replacement value in the event of damage
  • High-value furniture and electronics
  • Antiques, artwork, and specialty items
  • Long-distance or complex moves
  • Customers seeking protection that may include natural disasters, such as flooding or fires

Full replacement value insurance allows items to be repaired, replaced, or reimbursed at current market value, subject to the third-party policy’s terms and conditions.

How to Choose the Right Moving Coverage

Choosing the right moving protection depends on the value of your belongings and the type of move you are planning.

Consider:

  • The total value of your household goods
  • Items that are difficult or expensive to replace
  • Whether your move is local, long-distance, or interstate

Our moving coordinators are happy to explain your options and help you select coverage that fits your needs and budget.


What to Do If an Item Is Damaged

If an item is damaged during your move:

  1. Take clear photos of the damage
  2. Notify Elite Moving & Storage as soon as possible
  3. Complete the required claim documentation
  4. Our team will guide you through the resolution process

Prompt reporting helps ensure faster and smoother claim handling.

What Customers Say

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GREAT MOVERS The movers were on time and were extremely nice and professional about the move. When they got to our new home with our furniture, they helped put all of our furniture together, as well as unloaded everything from the truck very quickly. We had a lot of stuff that needed to be moved from our apartment to our new house, but Elite was able to handle everything quickly. The movers were great guys; I really appreciated them. Thanks, Elite! Would definitely recommend to friends in the future.

-Cheryl

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We had a GREAT moving team today lead by Jose Reyes! Jose was very communicative, friendly and professional. He lead the team with clear expertise and efficiency. They worked quickly but with solid organization and safety. I would both hire and recommend Jose and his team in an instant. 5 STARS!

-Dina ARGUS

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Rafa and his team arrived on time and never stopped working. They knew what needed to be done & did it efficiently. Nothing was damaged or an issue. They plugged in the units & made sure they were working. This is the second move with Elite, and we are very happy to recommend the company.

-Patty W

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We moved 2 days ago from the house we lived in for over 20 years. The provided quote was very close to what we paid, even though there were a lot more items to be moved than I anticipated. The movers were on time, very professional, and super helpful. This team really took the stress out of moving. I would highly recommend this company!

-Ia Lubera

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Elite gave me the best moving experience I have ever had. I had antique furniture, and everything was handled with care. Nothing was damaged. The price was reasonable, and their estimate was spot on. The team on the phone was so easy to work with, and the movers showed up right on time. All four were friendly, hard working, strong, and tactical. It was actually great to spend my day with them. Wholeheartedly recommend.

-Aimee Stoltz

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This was the best experience moving I have had because of Elite. The men were amazing. Showed up on time, worked tirelessly as a team. No breaks. Cost came in lower than expected. My furniture was fully protected. Everything was wrapped. These are Professionals!!! They know exactly what to do to make your experience positive. They cared about my things treating them as their own. Each room was set up to my specifications as I directed them. So respectful and kind. You can’t go wrong with this Company.

-Kim Abello

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We had an excellent experience with Elite Moving Company and highly recommend them. From start to finish, the team was professional, efficient, and incredibly detail-oriented. Every item was handled with care, and they used thorough protective coverings for all our furniture — a huge contrast to our previous experience with another company (H2H). The movers were organized, respectful of our space, and communicated clearly throughout the process. Nothing was damaged, and everything was placed exactly where it needed to go. If you value professionalism, attention to detail, and peace of mind during your move, Elite Moving is the company to go with.

-My Nguyen

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I’ve used ELITE MOVING several times over the years for my clients. I keep coming back to them because my clients have always been happy with the way every move has been handled. The teams from ELITE are efficient and detailed in how they address each move. I have another move coming up in a week with them and know that it will be handled well.

-Glen Lusby

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Overall, Israel and his crew did a great job. They arrived on time, performed a quick walk-through, and efficiently packed and loaded everything. There was no damage to the home or furniture. The only miss was that our bed frame wasn’t reinstalled correctly.

-Tony Russo

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Elite moving was great. Jenny coordinated all the specifics and gave me the estimate. The movers showed up within the window and finished within the estimated time. They were fast, efficient, prepared, and made this a simple move. No lolly gagging and wasting time to eat the clock. They moved my baby grand piano, and heavy dressers. Nice job. I’d definitely use them next time.

-Gscapture

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36,162+

Moves Completed

25+

Year of Experience

1,000,000

Miles Driven

Frequently Asked Questions

01

Is moving insurance required?

Released Value Protection is included automatically. Additional coverage options are optional but recommended for valuable or fragile items.

02

What is the difference between Released Value Protection and Full Value Protection?

Released Value Protection is free and provides limited compensation based on weight at $0.60 per pound per article, while Full Value Protection cost additional fee and offers repair or settlement options based on item value.

03

Is Full Value Protection the same as insurance?

No. Full Value Protection is a form of mover liability coverage. Full replacement insurance is provided separately through a licensed third-party insurer.

04

Does moving protection cover natural disasters?

Released Value Protection and Full Value Protection do not cover natural disasters. Third-party insurance policies will cover it all.

05

Do I need coverage for a local move?

Even local moves carry risk. Additional protection is recommended if you are moving valuable or fragile items.

06

Can I insure individual items only?

Full Value Protection is typically selected for the entire shipment, not individual items. Third-party insurance will allow item-specific coverage.

07

What items are commonly excluded from coverage?

Certain items may have limitations or exclusions. Your moving coordinator will explain these before your move.

08

How do I file a claim if something is damaged?

You will need to document the damage, notify us promptly, and submit a claim form. Our team will guide you through each step.

09

Is coverage different for long-distance or interstate moves?

Coverage options are the same for local moves within IL and the Long Distance Moves. The only difference is the time period you can file the claim after the delivery.

10

When do I need to choose my moving protection?

Coverage must be selected before your move begins. Changes cannot be made after loading starts.

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