Protect your household goods, furniture, personal effects, and overseas shipment with clear
coverage options, instant premium estimates, and answers to the questions customers ask most.
Without added insurance, carrier liability is typically limited to $0.60 per pound. For international
household goods, that may be far less than the replacement value of your shipment.
Insurance Cost Calculator
Enter your declared value and select a policy to estimate your premium. This calculator is designed to be easy for
customers to use and mobile friendly for IONOS pages.
Estimated Result
Full Coverage with $250 deductible
Estimate based on 3.5% of declared value. Final approval is subject to coverage rules, declared value, and shipment
details.
Important
Full coverage is intended for shipments packed by professional movers. Self-packed shipments generally qualify for total loss
coverage only.
Full Coverage
Best for professionally packed household goods shipments and customers who want broader protection.
Covers qualifying loss or damage subject to policy terms
Requires a valued inventory list
Common options: 3.5% / $250 deductible or 3.0% / $500 deductible
Must be finalized before pickup
Total Loss Only
Designed for self-packed shipments where full damage protection is not available.
Covers catastrophic loss only
Typical premium: 2.0% of declared value
Minimum declared value: $5,000
No claims for minor damage, breakage, or missing contents within owner-packed boxes
High-Value Items
Artwork, antiques, collectibles, designer furniture, instruments, and other high-value pieces may require added
attention.
Items over certain thresholds may need separate declaration
Appraisals or receipts may be requested
Custom crating may be recommended
Underwriter approval may be needed for unusual or very valuable items
No individual breakage or scratch claims for owner-packed goods
Special items / high-value items
Case-by-case
May require appraisals, separate declaration, or underwriter approval
Frequently Asked Questions
How much does insurance cost?
Premium depends on the declared value and policy type. Common options are 3.5% with a $250 deductible, 3.0% with a $500 deductible,
or 2.0% for total loss only.
Can I insure self-packed boxes?
Usually yes, but self-packed shipments generally qualify for total loss coverage only rather than full damage protection.
What value should I declare?
The declared value should reflect realistic replacement value. Underinsuring can leave you exposed in the event of a claim.
Do I need to list every item?
A valued inventory is typically required for full coverage. High-value items should be clearly identified and described.
Does insurance cover antiques, artwork, pianos, or marble tables?
These items can often be insured, but they may require special packing, crating, appraisals, or additional underwriting
review.
Can I add insurance after pickup?
No. Insurance must be arranged before the shipment is collected.
What happens if I do not purchase insurance?
Standard carrier liability is very limited and may not reflect the true value of your goods. For many customers, it is far less than
expected.
What should I do if there is damage at delivery?
Note visible damage at delivery, take photos, keep packaging when possible, and notify your coordinator promptly so the proper claim
procedure can be followed.
Need help choosing the right coverage?
We can help you understand which option fits your shipment, whether your goods qualify for full
coverage, and what information is needed before pickup.
• Submit your insurance paperwork before your scheduled pickup date
• Review the policy terms and deductible options carefully
• Take photos or videos of your belongings before packing
• Notify us in advance if your shipment contains high value items such as artwork, antiques, pianos, or collectibles
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