Full Value Coverage v. Moving Insurance

From Here to There’s Actual Value Coverage is designed to compensate you if something happens to your belongings that we are moving for you during the moving process. Subject to important conditions, we can repair items that have been damaged and replace items that are not repairable or have been lost, up to $500 current market value per item. Our aim is to make things right in the event of the unexpected. However, our Actual Value Coverage option is not insurance, like the insurance coverages that may be provided by your homeowners policy, because you don’t have to prove our negligence caused the loss or damage. Instead, subject to certain limits, we will be responsible for your claims; our Actual Value Coverage option reflects the monetary value of that responsibility. Insurance is a very different legal transaction and with different policy terms are different across providers and that coverage should be discussed directly with your insurance provider.

How do FHTT’s coverage options work?

State Required Standard Minimum Coverage Included in Every Move:

Standard Kentucky Mover’s Transit Coverage will be automatically applied to all articles at a compensation rate of $0.60 or 60 cents per pound. Everything is valued at 60¢ per pound against damage during the move. For example: a chair weighs 10 lbs and is broken during the move - regardless of the value, settlement will be $6.00 based on 60¢ /lb/article. This is the standard minimum coverage in the moving industry. Additional Actual Value Damage Coverage can be purchased from the move supervisor. The maximum coverage is $60 per article. .

Purchase Additional Coverage for In-State Moves

Actual Cost Value Damage Coverage is applied to all articles upon selection. From Here to There, LLC agrees to reimburse customer for damaged property at the current value of the item using straight-line depreciation and industry standard depreciation schedules. For example: The value of a used dresser that is damaged during the move will be determined by it’s current market value using straight-line depreciation or the cost to repair said item, whichever is lower. Damage Coverage does not include the functionality of any appliance or electronic device a there is no way to pre-test functionality. Further, Damage Coverage must be purchased for entire load, we are unable to cover specific truck loads as there is no way to access liability unless all loads are covered. See the paragraph below for damage exclusions. The maximum coverage set by the KY Department of Transportation is $5 per pound or $500 per article. Can be purchased for $150 upon start of move.

Damage Exclusions

PLEASE NOTE: Due to their fragile nature we do not cover damage to refrigerators, appliances, glass, ceramics, particle board furniture, bonded leather, flooring, or, plants. We are not liable for the contents of containers not packed by our movers. We are not liable for any damage resulting from improper preparation/packing by customer. We do not dismantle refrigerators in any way. Please double check appliance connections as we are not responsible for water leaks. We do not touch paint/chemicals. All labor and contracts must end and be paid for entirely at 10pm. Our liability for damage on loading jobs (no transportation of good performed by From Here to There, LLC) terminates once the truck has been loaded. In some cases, tracking soil onto the flooring is inevitable; We are not responsible for any resulting damage. Responsibility to confirm all items remain present is on the customer and your signature is confirmation all items are accounted for at end of move. This contract is legally binding, and your signature is evidence that you understand and accept the terms outlined by this agreement.