High-Value Article
Definition
Any item worth more than $100 per pound. Examples: jewelry, electronics, antiques, artwork, and coin collections. Must be declared on a separate inventory form for full coverage under full value protection.
High-value articles require special documentation because their value far exceeds what their weight would suggest. Under full value protection, items over $100 per pound that are not listed on the High-Value Article Declaration may not be covered at their full replacement value.
Common high-value articles: jewelry and watches, laptop computers and tablets, cameras and lenses, small antiques and collectibles, silverware sets, coin and stamp collections, designer handbags, and small artwork or sculptures.
How to declare: fill out the High-Value Article Declaration form provided by the mover before packing day. List each item with a description and estimated value. Keep receipts, appraisals, and photos as supporting documentation.
Pro tip: consider carrying your highest-value articles with you in your personal vehicle rather than putting them on the moving truck. No amount of insurance documentation can replace a one-of-a-kind family heirloom.