Common Protection Options

• Released/Basic Liability: included at no added charge; compensation is typically based on item weight per pound and can be inadequate for high‑value items.

• Full Value Protection: paid option in which the mover repairs, replaces with a similar item, or reimburses current market value, often with deductible choices.

• Third‑Party Insurance: separate policies that supplement mover liability, useful for fine art, collectibles, or exclusions.

Declaring High‑Value Items

• List items of extraordinary value in writing with make/model and, if available, serials; include clear photos to document condition.

• Use custom crating or specialty packing for art, glass, antiques, and instruments to protect and support any future claim.

• Undeclared high‑value items may default to basic limits and receive lower compensation.

What Can Limit Eligibility

• Self‑packed boxes may be treated differently than professionally packed items per your terms; pack carefully and document contents.

• Exclusions often apply to prohibited goods, perishables, and certain events beyond reasonable control.

• Pre‑existing damage, inadequate preparation (e.g., appliances not defrosted), or concealed contents can affect outcomes.

Deductibles, Costs, and Choices

• Inventory: number boxes, label by room, and keep a simple contents list; photograph electronics and delicate furniture.

• Condition photos: take time‑stamped images before packing/loading, including close‑ups of corners, screens, and finishes.

• Delivery notes: inspect as you unload; document concerns on delivery paperwork before signing and retain packing materials for inspection if requested.

Timelines and Process

• Report any loss or damage in writing within the stated timeframe in your documents; prompt notice improves resolution.

• Provide photos, proof of value, and a clear description of what occurred; follow instructions for repair, replacement, or reimbursement steps.

• Keep communication in writing for clarity and tracking.

Matching Coverage to Your Move

• Studio/local moves: basic liability may be enough, with targeted add‑ons for a few high‑value items.

• Family or long‑distance: Full Value Protection with a sensible deductible often provides the best peace of mind.

• Collections/fine art: consider custom crating and separate insurance tailored to appraised values.

Practical Tips from Lone Stars Movers

• Pack smart: request specialty cartons for TVs, mirrors, and dishes; consider professional packing for kitchens and decor.

• Keep irreplaceables with you: documents, jewelry, small electronics, medications, and heirlooms should not go on the truck.

• Confirm in writing: ensure your chosen protection level, declared items, and deductibles appear on your estimate and final confirmation.

How Lone Stars Movers Supports You

• Clear options: side‑by‑side explanations of protection choices with transparent pricing.

• Expert handling: trained packers, proper materials, and specialty crating reduce risk and support successful claims.

• Responsive help: guidance on documentation, timelines, and next steps if you ever need to file a claim.