Moving Insurance in Metro Vancouver: What You Need to Know

One of the most common questions people ask before booking a move is: "What happens if something gets damaged?" It is a fair question. Your belongings have real value, and understanding how liability and insurance work before moving day is important.

Here is a plain-language breakdown.

Basic Carrier Liability

In Canada, moving companies are required to carry basic liability coverage. This is not the same as insurance — it is a limited protection that covers damage caused by the mover's negligence.

The standard rate in BC is typically $0.60 per pound per article. That means a 50-pound TV damaged during a move would be covered for $30 — far less than its replacement value.

This is why basic carrier liability is often called "released value" coverage — the value released to you in a claim is minimal.

Full Value Protection

Some moving companies offer full value protection as an add-on. Under this coverage, the mover is liable for the replacement value of damaged or lost items, not just a per-pound rate.

Ask your moving company specifically:

• Do you offer full value protection?
• What is the cost?
• What is the claims process?
• Are there exclusions (items packed by owner, pre-existing damage)?

Your Home Insurance Policy

Many home insurance policies in BC include coverage for belongings during a move. Check your policy or call your broker before moving day. Key questions:

• Does my policy cover items in transit?
• Is there a deductible?
• Are there exclusions for professional movers vs. self-moves?

If your home insurance covers the move, you may not need to purchase additional coverage from the moving company.

What Is Typically NOT Covered

Regardless of the coverage type, most moving liability policies exclude:

• Items packed by the owner (not the mover)
• Pre-existing damage
• Electronics that stop working after a move (unless visibly damaged)
• Jewellery, cash, and documents
• Plants and perishables
• Items of exceptional value (art, antiques) unless declared in advance

How to Protect Yourself

Photograph everything before the move. Document the condition of furniture, electronics, and valuables with photos or video. This is your evidence if a claim is needed.

Declare high-value items. If you have items worth more than a few hundred dollars, tell your moving company in advance. Some companies require a declared value for high-value items to be covered.

Pack your own valuables. Jewellery, important documents, and irreplaceable items should travel with you in your car — not on the truck.

Read the contract. Before signing, understand what coverage is included and what the claims process looks like.

At 4 You Moving

We carry full commercial liability insurance and handle your belongings with care. If you have questions about coverage before your move, ask us when you book — we are happy to explain exactly what is included.

Call 778-200-8825 or get a free quote online.

Get a free moving quote from 4 You Moving — we serve all of Metro Vancouver 7 days a week. View our service areas.

Frequently Asked Questions

What moving insurance do I need for a move in BC? At minimum, confirm your movers carry $2M+ liability insurance and WCB coverage. For high-value items, consider purchasing additional coverage through your home insurance provider or a third-party moving insurance policy.

Does my home insurance cover items during a move? Some home insurance policies include limited coverage for items in transit. Check your policy or call your broker before moving day. Coverage limits and exclusions vary significantly between policies.

What is the difference between released value and full value protection? Released value protection (often $0.60/lb) is the minimum required by law and pays very little for damaged items. Full value protection covers the actual repair or replacement cost. Ask your mover which they provide.

What should I do if something is damaged during my move in Vancouver? Document damage immediately with photos before the crew leaves. Report it to the moving company in writing the same day. File a claim through the company's insurance process. Keep all documentation.

Are high-value items like art and antiques covered by standard moving insurance? Standard moving liability often excludes or limits coverage for high-value items. Declare valuable items to your mover in advance and consider a separate fine art or high-value items rider on your home insurance.

How do I verify a moving company has proper insurance in BC? Ask for a copy of their liability insurance certificate and WCB account number. Legitimate companies provide both without hesitation. You can verify WCB coverage at the WorkSafeBC website.