Your possessions and your furniture are important to you. We understand this.

We know that no matter how skilled your movers are, you may want another layer of protection. Because of this we offer the two following insurance options.


Free Standard Insurance

Free Standard Insurance offers very little coverage, but is free of charge.  In the event of any damage, it covers the client’s shipment for 30 cents per pound per article. This amounts to about $5 coverage for a picture, $30 coverage for a couch, and $150 coverage for an upright piano. This option should be considered if the client has a homeowner’s insurance policy which specifically covers the goods for breakage during a move, or if the client feels that the goods being moved are not worth the cost of covering them by Replacement Value Insurance.  

Replacement Value insurance

Replacement Value Insurance covers goods for the cost of replacing them with an identical or very similar item. In the rare event of damage, the moving company would, first of all, see if a satisfactory repair can be made.   If not, our insurance company, CHUBB, would process a claim for the cost of replacing the item. This insurance can be purchased for $10 per $1000 value of the shipment, with a $500 deductible.  The value stated should reflect the plausible total worth of the goods.  (For example, if your furniture is worth $100,000, you should not take a policy for $15,000.)  The minimum declared value on a shipment is $12,000.

The following items are not covered by Replacement Value Insurance:

  • Items not packed by our crew
  • Items made of particle board, press board, or engineered wood (e.g. Ikea furniture)
  • Electronic and mechanical items with no visible damage on the exterior
  • Cash and items of extraordinary value (e.g. jewelry)
  • Plants



If you have any questions, please ask a Brownstone Brothers representative.