Valuation Protection

There are two choices:
Option 1 – Basic Liability (automatically included at no charge), which pays up to $0.60 per pound per article.
• Option 2 – Full Replacement Cost (with a $100 deductible), which covers the least of actual cash value, repair cost, or replacement with substantially identical goods.

Not usually. Basic Liability is limited in payout (only $0.60 per pound per article) and may not cover the full value of many items. If you have valuables or higher-worth items, Full Replacement Cost is often a better choice.

The cost depends on the total valuation you assign to your shipment. The page shows a pricing table for various maximum valuations (e.g., $10,000, $20,000, etc.) with associated costs. Note: amounts over $100,000 will require a custom quote.

There is a $100 deductible under the Full Replacement Cost option.

Some items are not covered (regardless of option chosen), such as
Extraordinarily valuable items not listed on a “High Value Inventory” form
• Lamps, artwork, mirrors, statues, etc., if they are not crated or boxed by Ray the Mover
• Live or artificial plants
• Marble or glass not boxed/crated by Ray the Mover
• Items in boxes not packed by the mover (for some damages)
• Previously damaged or repaired items
• Electrical/mechanical failures without visible external damage, and so on.

You may choose your valuation protection option before loading begins (i.e., before Ray the Mover starts loading your goods onto the truck). The choice sets the maximum liability for your goods during transit.

If you do nothing, you automatically get Basic Liability (Option 1) at no charge. This option sets your coverage at the legally required minimum.

Under Full Replacement Cost, in the event of loss or damage, Ray the Mover will pay the least of:
The actual cash value immediately before the loss,
• The cost to repair/restore to the condition prior to loss, or
• The cost of replacing with substantially identical property.

For shipments whose valuation exceeds $100,000, you’ll need a custom quote to cover the excess. This ensures that the protection is structured appropriately for very large or high-value shipments. Value moves.