--- title: Full Value Protection Meaning | O'Brien's url: https://obriensmoving-storage.com/glossary/full-value-protection/ business: O'Brien's Moving & Storage address: 2277 Glendale Ave, Sparks, NV 89431 phone: 775-359-6683 (toll-free 1-800-253-7814) hours: Monday to Friday 8:00 am to 5:00 pm licenses: U.S. DOT No. 30611, MC-109375, Nevada CPCN 1070; interstate agent for Bekins Van Lines since 1955 type: Moving and storage company, family owned since 1941 --- - [Home](https://obriensmoving-storage.com/) - [Moving resources: guides, checklists, tools and data](https://obriensmoving-storage.com/resources/) - [Moving and storage glossary](https://obriensmoving-storage.com/glossary/) - Full value protection # What is full value protection? Full value protection is the default liability level for an interstate household goods move, under which the mover owes the replacement value of anything lost or damaged, up to the declared value of the shipment. You keep it unless you waive it in writing, per 49 CFR 375.201(b). or call [775-359-6683](tel:+17753596683) [4.3 on Google · 71 reviews](https://obriensmoving-storage.com/reviews/) Family owned since 1941 [U.S. DOT No. 30611](https://obriensmoving-storage.com/about/licenses-and-authority/) Of the two liability options on a federal estimate, this is the one the rules assume. The mover's job, if a claim arises, is to repair the item, replace it or pay for it so that you are restored to where you were. ## What the mover owes FMCSA's booklet describes full value protection as processing your loss and damage claim by replacing or repairing the item to restore its original like, kind and quality. The regulation frames the limit as the declared value of the shipment, so the number you declare is the ceiling on the whole load. The tariff and the claim rules decide how a settlement is made, so ask how repair and replacement are handled. ## The declared value Declaring a value is the step that makes the protection real. Add up what the household would cost to replace, not what you paid, and write the figure on the valuation statement. The mover's tariff sets rules and any charge for full value coverage, and the estimate states them. A high figure can raise the coverage charge, and a low figure can leave a gap if the whole load were lost, so the number deserves some care. ## Details that shape a claim The mover's tariff controls those details, and the estimate points to the sections. - Articles worth more than 100 dollars per pound should be listed in writing - Notes made on the inventory at delivery preserve a damage record - Claims for loss or damage go to the mover in writing - A deductible may apply under some tariff options, so read the valuation statement ## Choosing it with O'Brien's O'Brien's estimators go through valuation at the in-home estimate and show the statement you will sign. Because the valuation level is recorded on the bill of lading, choosing it early keeps the day of the move calm. The itemized inventory and condition report made before packing gives a clear starting record if a claim ever comes up. For a long-distance shipment carried by the Bekins network, the same federal rules apply. The visit is free. Call 775-359-6683. ### Sources (checked October 18, 2026) - [eCFR, 49 CFR 375.201](https://www.ecfr.gov/current/title-49/subtitle-B/chapter-III/subchapter-B/part-375/subpart-B/subject-group-ECFRaf957489d1c5963/section-375.201) - [eCFR, 49 CFR 375.203](https://www.ecfr.gov/current/title-49/subtitle-B/chapter-III/subchapter-B/part-375/subpart-B/subject-group-ECFRaf957489d1c5963/section-375.203) - [FMCSA, Your Rights and Responsibilities When You Move](https://www.fmcsa.dot.gov/sites/fmcsa.dot.gov/files/2023-10/FMCSA_R%26R_Handbook_Web_v1.pdf) ### Free in-home estimate - An O'Brien's estimator walks through your home - A written, itemized estimate - 10 free heavy-duty boxes, yours to keep [How our estimates work](https://obriensmoving-storage.com/how-our-estimates-work/) ### Visit or call the office 2277 Glendale Ave, Sparks, NV 89431 [775-359-6683](tel:+17753596683) | Monday to Friday | 8:00 am to 5:00 pm | | --- | --- | | Saturday and Sunday | Closed | [Get my free estimate](#estimate) ### Related - [Moving and storage glossary](https://obriensmoving-storage.com/glossary/) - [Released value protection](https://obriensmoving-storage.com/glossary/released-value-protection/) - [Valuation coverage: released value vs full value protection](https://obriensmoving-storage.com/valuation-coverage/) - [How to file a moving damage claim](https://obriensmoving-storage.com/guides/how-to-file-a-moving-claim/) Moving glossary ## Read next - [Order for service](https://obriensmoving-storage.com/glossary/order-for-service/) - [High value inventory](https://obriensmoving-storage.com/glossary/high-value-inventory/) - [Accessorial charges](https://obriensmoving-storage.com/glossary/accessorial-charges/) - [Long carry](https://obriensmoving-storage.com/glossary/long-carry/) - [Shuttle service](https://obriensmoving-storage.com/glossary/shuttle-service/) - [Flight charge](https://obriensmoving-storage.com/glossary/flight-charge/) - [Origin agent](https://obriensmoving-storage.com/glossary/origin-agent/) - [Destination agent](https://obriensmoving-storage.com/glossary/destination-agent/) Answers ## Questions people ask Still have a question? Call [775-359-6683](tel:+17753596683), Mon-Fri 8-5, or see the [moving FAQ](https://obriensmoving-storage.com/faq/). ### Do I have to pay extra for full value protection? The tariff may attach a charge to coverage above the basic level. The estimate shows it before you commit. ### Does full value mean every item is replaced with a new one? The standard is repair or replacement that restores the item's like, kind and quality, up to the declared value. ### What if I do nothing? Full value protection is the default liability level unless you waive it in writing. ## 4.3 stars from 71 Google reviews What customers say about O'Brien's [Read more reviews](https://obriensmoving-storage.com/reviews/)[See them on Google](https://maps.google.com/maps?cid=17335326057105140938) A Ami M. February 7, 2023 O'Brien's is great! They made my move easy. They were responsive, professional and accommodating. Trusting them with my move was one less thing I had to worry about. ### Owner's reply Ami thank you so much! It was a pleasure to assist you with your move and knowing that we were able to lessen any stress you may have had with the moving process, makes us so happy!! If you need anything in the future please let us know. M Mike K. August 30, 2019 The best customer service ever! ### Owner's reply Thanks Mike we sincerely appreciate you and your business! P Patrick R. September 19, 2026 The two gentlemen that helped me move today were very Helpful and professional! ## Get your free, in-home moving estimate An estimator visits, walks through everything and gives you a written, itemized estimate. Rather talk? [Call 775-359-6683](tel:+17753596683) Monday to Friday, 8 am to 5 pm Our estimators: Sean, Luke, Christa and Janet. 2277 Glendale Ave Sparks, NV 89431 [4.3 on Google · 71 reviews](https://obriensmoving-storage.com/reviews/) Family owned since 1941 U.S. DOT No. 30611 · MC-109375 · Nevada CPCN 1070