At Suburban Solutions, we take extra care in ensuring a safe and stress free move of the contents of your home or office. From time to time, things will happen that are out of our control. For this reason, we have different levels of valuation. “Valuation” and “insurance” are are often a challenge to fully understand, but it is very important to know how you are protected before your move.

There’s a tremendous amount at stake come move day. All of your life’s possessions are carefully packed up and strategically loaded by the movers. Although the mover is liable for the value of goods we handle, it is the shipper (that’s you) that must understand the level of liability a mover is responsible for – also known as valuation.


Here is additional information on how Valuation works

Included at no additional charge with your move is coverage of $0.60/ lb released valuation for any damages.

So what does this mean if your TV is damaged during a move? Should anything happen to your television, the weight of the set multiplied by $0.60 is our obligated coverage (A damaged TV weighing 65lbs would net a reimbursement check for $39.00 – We’re very skilled movers, but in the event of damage we all know this will not help replace the TV.

As a result, we would like to invite you to look into our additional Full Replacement Valuation. 


Under Full Replacement Valuation, we are liable for the replacement value of lost or damaged goods in your shipment (to the condition of the item(s) in question as we first receive them on moving day.)

This is the more comprehensive plan available for the protection of your belongings. Unless you select the alternative level of of liability described above, the Released Value of $.60/pound.  If any article is destroyed or damaged while in your mover’s custody, your mover will, at its discretion, offer to do one (1) of the following for each item:

  • Repair the item
  • Replace with a similar item
  • Make a cash settlement for the cost of the repair or the current market replacement value

Under this option, movers are permitted to limit their liability for loss or damage to articles of extraordinary value, unless you specifically list these articles on the shipping documents. An article of extraordinary value is any item whose value exceeds $100 per pound (i.e., jewelry, silverware, china, furs, antiques).

If you are interested in additional coverage please let us know right away.  We offer coverage plans starting at $5,000 of coverage for as low as $95.00.

Here are two example of a potential claim and how it can be handled.

Example #1

  1. You elect to purchase $5,000 of additional coverage for your move with a $500 deductible at a cost to you of $95.00
  2. On moving day, a dresser is damaged in transit or by the negligence of our staff.
  3. A receipt, comparable retail item from the same vendor or manufacturer or a public appraisal values the damaged item at $850.00
  4. We can settle a claim thru the following two ways:
    1. We can repair the item back to its condition on moving day -or-
    2. You would be eligible for a check in the amount of $350 ($850 value less $500 deductible)

Example #2

  1. You elect to purchase $5,000 of additional coverage for your move with a $500 deductible at a cost to you of $95.00
  2. On moving day, we damage a mirror and scratch a hardwood floor due to negligence of our staff.
  3. A receipt for the mirror or an estimate for the scratch repair are both valued at $125.00 ($250.00)
  4. In this scenario, the replacement value does not exceed the $500.00.  There would be no pay out for this claim and both would be out of pocket expenses.  We would still be happy to recommend you to vendors we trust that would provide you with our preferred pricing.

If you have any questions about our coverage, just call or email us!  Remember, additional coverage MUST be purchased and paid for prior to your move!  See Below for the full pricing

Valuation Coverage Chart:


max valuation$250 Deductible$500 Deductible
$30,000.00$870.00 $570.00
 $40,000.00 $1,160.00 $760.00




Exclusions to our coverage

Please note that we do not provide coverage for the following:

  • Damage to any owner-packed items, cartons, or containers, including plastic storage containers with no apparant physical damage to the container itself.  
  • Non-delivery of a shipping package if the delivery receipt shows that all packages were delivered to the final destination.
  • We will not move jewelry, watches, gem stones, cash, currency or bank notes, deeds, travelers checks, coin or stamp collections, sports memorabilia, alcoholic beverages, foods, medications, negotiable items, furs or garments trimmed with fur, ammunition, contraband, cigarettes, laptop or tablet computers, mobile or cellular telephones.
  • Loss or damage caused by wear and tear, deterioration, changes in climatic conditions, mold and mildew, infestations, pre-existing damages, or inherent vice.
  • Functionality of any TV’s, Stereos, Computers or other electronic equipment unless the client has tested the equipment for our crew leader prior to moving AND there is no visible physical damage to the unit in question or the box it was transported in. 
    • Electrical or mechanical malfunctioning coverage may be available for a nominal additional premium. If such coverage is purchased, it is required that any electrical or mechanical item covered by this insurance must be inspected at origin and destination by movers, with a specific note on the carrier’s inventory indicating the operable condition of this item. Failure to do so will cause denial of claim in case of loss and/or damage to the items and will not constitute refund for this insurance coverage. Any item inventoried by the mover as MCU (mechanical condition unknown) will not be covered.
  • Damage to any furniture constructed of any type of veneered chipboard, particle board, MDF —medium density fiberboard, composite board, or similar. Any reduction in quality thereof arising as the result of dismantling or reassembling of any such items of furniture is also excluded.
  • Wrinkled or soiled clothing, linens, drapes, or rugs.
  • Items not listed on the movers’ inventory disclosed during estimate or closing phase. Items not shipped are not insured.
  • Marring, scratching, denting, chipping, or rubbing on items which have been received by the carrier as Previously Damaged
  • Real Estate property damage and/or any service related issues, including but not limited to mover and customer agreements, shipment delays, etc.
    • Minor drywall, trim work, interior or exterior door, millwork or paint damage is not covered.  It is inevitable that minor scratches dings and dents will occur from time to time, particularly from moving large items in and around tight stairwells and hallways. 
    • Minor can be defined as smaller than a US Quarter.
  • Damage or loss to any items listed or specifically excluded on the moving company’s Order for Service, Bill of Lading, or Waiver Forms.
  • Any damages caused as a result of these being in the shipment: hazardous materials, items that are flammable, corrosive or explosive; perishables: food, plants or living things that may die or spoil in transit
  • Contributory negligence on the part of the owner and/or their agents. Damages or loss attributed to an act, order, or omission on the part of the shipper.
  • Loss or damage to any items or shipment that contains non household items, or items that are considered for commercial, industrial or non-household use, including merchandise for sale or exhibition.
  • LIABILITY OF COMPANY: We are responsible only for our own negligence. We assume no liability of any kind of loss or damage to goods caused by weather, bug or rodent infestation, rust, deterioration, an Act of God, an act of governmental agency or public enemy, or any other causes beyond our control.
  • CONTENTS OF FURNITURE/CONTAINERS: We assume no liability for the contents of drawers, containers or other items of similar nature. All contents should be removed from items prior to the move.
  • ELECTRONICS: We assume no liability for the electrical and/or mechanical function of any and all electronics, whether or not our employees pack them. We recommend electronics to be serviced by a qualified service company.
  • MECHANICAL ITEMS: We assume no liability for the mechanical function of any and all mechanical devices including pianos, juke boxes, phonographs, etc., whether or not our employees pack them. We recommend mechanical items to be serviced by a qualified service company.
  • OVERSIZE ITEMS: We assume no liability for damage to oversize items that do not fit through doorways or hallways properly. We also assume no liability for damage to doorways and/or hallways that are damaged due to oversize items.