Items valued over $100 per pound (like jewelry, fine art, or collectibles) require special scheduling: 1) You must declare them in writing before the move, 2) Provide recent appraisals or receipts, 3) Pay an additional premium (typically 1-5% of value), and 4) May need special packing/transport arrangements. We offer specialty riders that provide "all-risk" coverage for these items, protecting against more types of damage than standard policies.

Common exclusions include: 1) Damage from improper packing (if you packed yourself), 2) Wear and tear, 3) Mechanical/electrical derangement of appliances, 4) Damage to items packed but prohibited (aerosols, plants, etc.), 5) Cash/valuable papers, 6) Perishables, and 7) Damage from acts of God (floods, earthquakes). Some exclusions can be covered with specialty policies - ask our insurance specialists for details.

Our claims process is straightforward: 1) Report damage within 9 months (sooner for international moves), 2) Complete claim forms with item descriptions and values, 3) Provide supporting documentation (photos, receipts, appraisals), 4) Allow inspection if required, 5) Receive claim decision within 30 days, and 6) Get payment for approved claims. We assign a dedicated claims specialist to guide you through each step and advocate for fair settlement.