Moving Insurance Calculator ($0.60/lb vs Full Value)
The default 'free' protection on an interstate move — Released Value — pays only $0.60 per pound per article. This tool shows what that means in a total loss, and what Full Value Protection would cost and cover.
Released Value is the carrier's default — it costs nothing but pays only $0.60 per pound per article (FMCSA 49 CFR §375.201). Full Value Protection typically runs 0.5%–1.5% of declared value and covers replacement value.
| Declared value | $25,000 |
| Released Value payout (total loss) | $3,000 |
| Uncovered gap (total loss) | $22,000 |
| FVP premium (0.5%–1.5%) | $125–$375 |
| FVP pays on total loss | up to $25,000 |
Go / no-go: At $3,000, Released Value leaves a $22,000 gap on a total loss — for a $25,000 household, Full Value Protection ($125–$375) is strongly recommended.
On a total loss, Released Value pays only $3,000 on a $25,000 household — leaving a $22,000 gap. Full Value Protection ($125–$375 premium) covers replacement value up to the declared amount. Under 49 CFR §375.201 carriers must offer FVP; third-party insurance and homeowners/renters riders may also cover moves.
Released Value = shipment weight × $0.60/lb (FMCSA 49 CFR §375.201, no extra charge). Full Value Protection = declared value × 0.5%–1.5% (carrier benchmark). The uncovered gap is declared value minus Released Value payout in a total loss.
Sources: FMCSA 49 CFR Part 375; methodology.json insurance parameters. Compiled August 2025–2026.
Formula & data sources
Sources: FMCSA 49 CFR Part 375; methodology.json insurance parameters. Compiled August 2025–2026.
When to use this calculator
- Use this before signing the Bill of Lading — decide whether to accept Released Value or buy FVP.
- Check whether your homeowners or renters policy already covers property in transit.
- High-value households (electronics, furniture, art): FVP is usually the right call.
Frequently asked questions
Is Released Value really that low?
Yes. FMCSA sets the minimum at $0.60 per pound per article (49 CFR §375.201) — a 5,000 lb shipment pays at most $3,000 on a total loss, regardless of value.
What does Full Value Protection cost?
Carrier rates typically run 0.5%–1.5% of the declared value. On a $25,000 household that is $125–$375 for the move.
Can I buy third-party insurance instead?
Yes — but first check your homeowners/renters policy for in-transit coverage and ask the carrier for their FVP quote; compare all three before deciding.
Does FVP cover everything?
FVP covers replacement value up to your declared amount, subject to the policy's deductible and exclusions (high-value items may need separate schedules).
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