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# Full Value Protection
- URL: https://relocationecosystem.com/full-value-protection/
- Published: 2026-09-04T09:54:47.000Z
- Updated: 2026-09-05T04:58:31.000Z
- Description: What full value protection means and how the carrier's repair, replacement or settlement obligation generally works.
- Author: Scott Hampton
- Tags: Dictionary, One Language

**TRE Dictionary**

## Full Value Protection

**Full Value Protection** is the higher level of mover liability offered for interstate household-goods moves. Under FMCSA guidance, the mover is generally responsible for repairing, replacing, or making a cash settlement for covered lost or damaged items, subject to the applicable valuation terms and declared shipment value.

### In plain English

It provides substantially broader protection than Released Value, but it is a mover-liability option and should not automatically be described as the same thing as a separate insurance policy.

### Why it matters

Customers should understand the declared shipment value, any deductible or plan terms, exclusions, treatment of articles of extraordinary value, and the claims process before the move begins.

### The default interstate option

[FMCSA states](https://www.fmcsa.dot.gov/protect-your-move/valuation-insurance?ref=relocationecosystem.com) that covered interstate shipments move under Full Value Protection unless the customer selects Released Value. Under [49 CFR 375.201](https://www.ecfr.gov/current/title-49/section-375.201?ref=relocationecosystem.com), the maximum liability is the declared shipment value, subject to Surface Transportation Board rules and the applicable tariff. Confirm that value and the written plan before signing.

### What to confirm before the move

- How the declared shipment value is set, and any applicable minimum.
- The price of the protection and any deductible.
- How the mover handles repair, replacement or a cash settlement for a covered loss.
- Any exclusions, limitations and requirements for articles of extraordinary value.
- Which documents record the selection and how you will receive copies.

FMCSA identifies articles of extraordinary value as items worth more than $100 per pound. Specifically list those items on the shipping documents and ask for the mover’s written explanation of the limitation before the move. See [High-Value Item](https://relocationecosystem.com/high-value-item/). A photograph or a high declared total shipment value alone should not be assumed to replace the required item disclosure.

### From protection choice to claim

Keep the signed valuation record with the inventory, condition notes, item disclosures and value evidence. Full Value Protection is not a guarantee that every allegation will be paid at the customer’s preferred amount; the facts and applicable terms still matter. Follow the [Moving Claims guide](https://relocationecosystem.com/moving-claims-guide/) for formal submission and receipt records.

This is an interstate mover-liability framework, distinct from a separate insurance policy. Intrastate and other moves may follow different rules.

### TRE common-language definition

> **Full Value Protection:** A mover-liability option providing a repair, replacement, or settlement obligation for covered loss or damage, subject to the applicable valuation terms.

### Related terms

[Valuation](https://relocationecosystem.com/valuation/) · [Released Value](https://relocationecosystem.com/released-value/) · [High-Value Item](https://relocationecosystem.com/high-value-item/) · [Carrier Liability](https://relocationecosystem.com/carrier-liability/) · [Claim](https://relocationecosystem.com/claim/)

### Put it into practice

Use the [Moving Valuation guide](https://relocationecosystem.com/moving-valuation-guide/) to compare the choices and the [Moving Documents guide](https://relocationecosystem.com/moving-documents-guide/) to keep the selected terms connected to the shipment.

### Sources & Evidence

- [FMCSA — Understanding Valuation and Insurance Options](https://www.fmcsa.dot.gov/consumer-protection/protect-your-move/understanding-valuation-and-insurance-options?ref=relocationecosystem.com)
- [FMCSA — Liability & Protection](https://www.fmcsa.dot.gov/consumer-protection/protect-your-move/are-you-moving/liability-protection?ref=relocationecosystem.com)
- [FMCSA — Protect Your Move Glossary](https://www.fmcsa.dot.gov/protect-your-move/glossary?ref=relocationecosystem.com)

*The Relocation Ecosystem provides educational information and does not provide legal or insurance advice.*