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Protect Your Move in Miami
with Full Value Insurance

Get a free quote (305) 539-0553

Licensed & Insured · MR 1296 · US DOT 3381414

Explore Our Additional Moving Services

Quick Comparison of
Coverage Options

Moving is more than just transporting boxes; it's about protecting your investments. We offer flexible options to ensure your belongings are safeguarded according to your specific needs and the value of your items.

If no option is selected, your shipment will default to Option 1: Standard Liability.

  • Option 1 · Standard Liability — included at no extra cost, $0.60 per pound per article, $0 deductible. Basic protection.
  • Option 2 · OMS Protection Plan — competitive premium, depreciated value, zero deductible. Balanced, affordable security.
  • Option 3 · Full Replacement Cost — purchased via a third party, full replacement value, deductible subject to provider. High-value and irreplaceable items.
Comparison of the three moving coverage options

Detailed
Protection Plans

1 · Standard Liability (Included)

This is the industry-standard minimum coverage. In the event of damage or loss, liability is strictly limited to $0.60 per pound, per article. This option is included in your base rate but may not cover the actual value of high-end items.

2 · OMS Protection Plan

Our most popular internal plan for enhanced security. Items may be repaired, replaced, or settled at their depreciated value. Zero deductible, so no out-of-pocket costs during a claim. Does not cover items exceeding a value of $100 per pound. For storage services, this coverage level must be maintained consistently through loading, storage, and final delivery.

3 · Full Value Replacement Insurance (Third-Party)

For complete financial protection, we highly recommend this comprehensive policy. It ensures you receive the full value to replace or reimburse your belongings without depreciation. While Online Movers & Storage recommends this coverage for your protection, the company holds no financial interest, ownership, or commercial stake in this third-party provider. The purchase of this insurance, the payment of premiums, and the management of any subsequent claims are the sole responsibility and decision of the client. This policy must be purchased directly by the customer through the external provider prior to the move date.

Why upgrade

Why Choose
Enhanced Coverage?

Peace of Mind

Gain confidence knowing your high-value items are fully protected.

Simple Claims

A streamlined process designed to support you when you need it most.

Dedicated Support

Our team provides guidance to help you choose the right level of protection for your move.

How Coverage Is Set
Before Moving Day

1 · Your coordinator reviews the inventory

We look at what is actually moving and flag the items where $0.60 per pound would not come close to replacing them.

2 · You pick one of the three options

Standard liability, the OMS Protection Plan, or third-party full value replacement. If you pick nothing, standard liability applies by default.

3 · The declared value is documented

In writing, before the truck arrives. This is the single step people skip and regret.

4 · The crew packs to that standard

Higher coverage changes how items are wrapped, crated and loaded — not just what you would be paid afterwards.

5 · One contact if you need to claim

Your moving consultant walks you through the process. For the third-party policy, we point you to the provider you bought it from.

Secure your move
before the truck arrives

Talk to a coordinator
Packing solutions included with your move

Packing Solutions for Your Relocation include

  • Door to Door Professional & Trained Movers
  • Eco-Friendly Packing Supplies
  • Furniture Wrapping
  • Delivery of Packing Supplies in Advance
  • Disassembly and Reassembly of Large Furniture
  • Packing Labor of All Household Goods
  • Loading & Unloading Labor
  • Unpacking Labor
  • State of the Art Trucks & Moving Equipment
  • Debris Removal
  • Dedicated Moving Consultant
  • Home Organizing

Frequently Asked
Questions

01 What moving insurance is included in my move?+
Every move includes standard liability, also called released value protection: $0.60 per pound per article, at no extra cost and with no deductible. It is the legal minimum in the industry and it is based on weight, not on what the item is worth.
02 How much does moving insurance cost?+
Standard liability is included. The OMS Protection Plan is a competitive premium with zero deductible and settles at depreciated value. Full value replacement is bought directly from a third-party provider and priced by them, based on the value you declare.
03 What is the difference between released value and full value protection?+
Released value pays $0.60 per pound — a 40-pound television is worth $24 under it, whatever you paid. Full value protection pays what it costs to replace or repair the item, without depreciation. The gap between the two is the whole reason this page exists.
04 Does the OMS Protection Plan have a deductible?+
No. Zero deductible, so there are no out-of-pocket costs when you file a claim. It does not cover items valued above $100 per pound, and for storage the coverage has to be maintained consistently through loading, storage and final delivery.
05 Do you sell the third-party insurance?+
No, and that is deliberate. We recommend it and point you to the provider, but Online Movers & Storage holds no financial interest, ownership or commercial stake in it. You buy it directly from the provider, before the move date, and you manage the policy and any claim.
06 When do I have to choose my coverage?+
Before moving day. The declared value goes in writing before the truck arrives, and it changes how the crew packs and handles your things — not just what you would be paid afterwards. If nothing is selected, standard liability applies by default.