Interstate vs. Intrastate Moving Insurance Rules

When planning a move, the type of insurance you need depends on whether your move is interstate (across state lines) or intrastate (within one state). Here’s the key difference:

• Interstate Moves: Governed by federal laws (USDOT). Movers must offer:
  • Released Value Protection: $0.60 per pound per article (included in the cost).
  • Full Value Protection: Covers the full replacement value (available for an extra fee).
    Movers also need a USDOT number and specific insurance filings.
• Intrastate Moves: Regulated by state laws. Coverage rules and claim processes vary by state. Movers must follow state-specific liability standards, often based on the weight of items.

Quick Comparison

Aspect	Interstate Moves	Intrastate Moves
Regulation	Federal (USDOT, FMCSA)	State-specific
Basic Coverage	$0.60 per pound (Released Value)	Varies by state
Extra Coverage	Full Value Protection	State-regulated options
Claims Process	Federal guidelines (9 months)	State-specific procedures

Choose the right insurance by considering your belongings' value, the move's distance, and applicable rules. For valuable items, explore additional or third-party insurance.

Interstate vs. Intrastate Moves

Interstate Moving Insurance Rules

Federal regulations, overseen by the FMCSA, outline the insurance requirements for interstate moving companies.

Required Federal Coverage

Interstate movers are required to provide two liability coverage options:

Coverage Type	Protection Level	Claims Process	Documentation Required
Full Value Protection	Covers 100% of item value	Submit a written claim within 9 months	Detailed inventory required
Released Value Protection	$0.60 per pound	Submit a written claim within 9 months	Basic inventory required

Movers must provide these options in writing before the move begins. Under Full Value Protection, movers either repair, replace, or offer a cash settlement based on the current value of the item. This option typically adds 1–2% of the declared value to your moving costs.

Federal License Requirements

Interstate moving companies must meet specific licensing and insurance standards, including:

• USDOT Number: Issued by the U.S. Department of Transportation
• MC Number: Motor Carrier authority
• Active Insurance Filing: Proof of at least $750,000 in liability coverage

Additionally, movers must carry cargo liability insurance that meets FMCSA requirements and public liability insurance for bodily injury and property damage. Their USDOT numbers must be displayed on all vehicles, and their compliance can be verified through the FMCSA's SAFER System.

For added peace of mind, request current insurance certificates, document high-value items with photos and descriptions, and clarify the difference between carrier liability and any supplementary coverage you may need.

Intrastate Moving Insurance Rules

Intrastate moving insurance is regulated at the state level, unlike interstate moves, which follow federal guidelines. Each state sets its own standards for coverage and insurance options for moves within its borders. Here's a closer look at how these rules work.

State Rules and Laws

State transportation departments or public utility commissions are responsible for setting insurance requirements for intrastate moves. Movers are typically required to maintain active insurance policies and display their state license numbers on their vehicles. Specific liability standards and coverage options vary between states, so it's essential for both movers and customers to check the rules with the appropriate state agency.

Basic Coverage Rules

Most states require movers to provide a baseline level of valuation coverage for intrastate moves, though the details differ. Common features of these requirements include:

• Liability coverage based on the weight of household goods (calculated per pound).
• Proof of insurance provided through valid certificates.
• Documentation of coverage before the move begins.
• A specific timeframe for filing damage claims.

Some states also have extra protections for high-value items. These may involve separate declarations, additional insurance policies, or detailed inventories for certain belongings. Make sure to review local regulations to understand what coverage and claim procedures apply.

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Comparing Interstate vs. Intrastate Rules

Understanding the differences between interstate and intrastate moving rules is key to managing potential risks. These differences show up in areas like coverage options, costs, and how claims are handled.

Coverage Types and Costs

For interstate moves, there’s a standard system: basic liability based on weight, with the option to upgrade to full-value protection for an additional fee. Intrastate moves, however, vary by state. States may have different rules for coverage types, cost calculations, and minimum liability requirements. Some states also allow extra or third-party coverage for valuable items. Knowing whether your move falls under state or federal rules can help you make smarter coverage choices.

Filing Claims and Protection

Interstate moves follow a uniform federal process for claims, offering consistent protection standards. On the other hand, intrastate claims are subject to state-specific laws and procedures, which can differ widely. Being aware of these variations is essential when choosing the right insurance for your move.

Selecting Moving Insurance

What to Consider

To choose the right insurance for your move, start by estimating the total value of your belongings. Items like antiques or electronics might require additional coverage. Think about factors such as the overall value of your possessions, the distance you’re moving, and any weather-related risks that could impact the journey.

Extra Insurance Options

If standard coverage doesn’t meet your needs, explore third-party insurance specifically designed for high-value items. Platforms like MOD24 can help you compare these options quickly and easily.

MOD24 Services

MOD24 makes it easier to find professional moving companies that meet insurance requirements for both local and long-distance moves. They provide $100 TV insurance coverage and work exclusively with licensed, verified, and insured movers. Their support team is available to explain insurance details and connect you with the right providers.

Summary

When planning a move, it's important to understand the differences between interstate and intrastate moving insurance to protect your belongings. Interstate moves are regulated by federal guidelines, while intrastate moves follow rules set by individual states. MOD24 helps simplify the process by connecting you with licensed and insured movers.

Here’s a quick breakdown of the key differences:

Insurance Aspect	Interstate Moves	Intrastate Moves
Coverage Type	Federal requirements	State-specific rules
Basic Protection	Released value protection	Varies by state
Additional Options	Full value protection	State-regulated options
Claims Process	Federal guidelines	State procedures

This table highlights how insurance requirements vary based on the type of move. Regardless of whether you’re moving across state lines or within your state, selecting movers with proper insurance is a must. MOD24 offers access to verified moving companies, $100 TV insurance coverage for members, and customer support to help you navigate insurance options.

The best insurance coverage depends on factors like the value of your belongings and the distance of your move. Be sure to review your options carefully and confirm the details of your coverage before finalizing your plans.