Insurance. In this series of blogs (the last was Part 5, Moving Day Tips) I’ve discussed what you should do to make the process go smoothly. One thing to consider is “insurance”. Moving insurance isn’t actually insurance. Instead, moving companies have an extra cost option called full value protection. Selecting full value protection means your moving company is liable for the full replacement value of your possessions. Without it movers are liable for a fraction of replacement cost (called “released” value). This requires that you create a detailed list and determine a value for your stuff per pound (the more it is worth the more the coverage will cost). You pay a premium up front and most full value protection policies have deductibles. Although full value protection may not be worth it for local moves, it is worth investigating with your mover for long distance or interstate transfers. Next: Preventing Delivery Blackmail.