Our Insurance
RARE Movers offers three protection options from which you may choose prior to the start of your move. All options can
be explained in full and made available to you up to the loading of your items on our truck.
The option you select establishes RARE Moving Company, Inc.’s maximum liability for your goods, subject to the rules
contained in RARE Moving Company, Inc.’s tariff and the terms and conditions on the back of our bill of lading. Please
note that options A and B are for shipments in transit within the state of Massachusetts. Option C can be applied to both
transit and storage.
As a licensed common carrier in the Commonwealth of Massachusetts, RARE Moving is required to provide Basic Liability
coverage for all goods moved. If you do not select additional coverage, this coverage is automatically provided to you at no
charge.
With Basic Liability
Under this coverage, our maximum legal liability is limited to $0.60 per pound per article. This is insufficient protection for
most situations. It is only recommended when accompanied by an insurance policy that covers goods in transit.
For customers seeking some additional protection, we offer Transit Damage Protection. This option meets most needs at a
reasonable charge of $99. Transit Damage Protection limits RARE Moving Company, Inc.’s liability to the first $3000 at Actual
Cash Value for damage repair/replacement. For amounts in excess of $3000, RARE’s liability will be limited to $0.60
per pound per article.
With Transit Damage Protection
If any article is lost, destroyed, or damaged while in transit and in custody of RARE Moving Company, Inc., RARE will
cover the least of the following amounts: the actual cash value of the property immediately before the loss; the cost of reasonably
restoring the property to its condition immediately before the loss; the cost of replacing the property with substantially
identical property. All claims are subject to the rules contained in RARE Moving Company, Inc.’s tariff and the terms
and conditions on the back of our bill of lading.
This option is based on the declared actual cash value of the entire shipment by the shipper. The cost of this option is
based on the value declared and can be found on our Premiums Valuation Table.
With Actual Cash Value
If any article is lost, destroyed, or damaged while in transit and in custody of RARE Moving Company, Inc., RARE will
cover the least of the following amounts: the actual cash value of the property immediately before the loss; the cost of reasonably
restoring the property to its condition immediately before the loss; the cost of replacing the property with substantially
identical property. All claims are subject to the rules contained in RARE Moving Company, Inc.’s tariff and the terms
and conditions on the back of our bill of lading.
For Moving and Storage in Massachusetts Only
| Total Declared Shipment Value |
Transit Premium Zero Deductible |
Storage Premium Zero Deductible |
| $10000.00 | $130.00 | $20.00 |
| $15000.00 | $160.00 | $30.00 |
| $20000.00 | $190.00 | $40.00 |
| $25000.00 | $200.00 | $50.00 |
| $30000.00 | $210.00 | $55.00 |
| $35000.00 | $220.00 | $60.00 |
| $40000.00 | $230.00 | $65.00 |
| $45000.00 | $240.00 | $70.00 |
| $50000.00 | $250.00 | $75.00 |
| $60000.00 | $270.00 | $80.00 |
| $70000.00 | $290.00 | $85.00 |
| $80000.00 | $310.00 | $90.00 |
| $90000.00 | $330.00 | $95.00 |
| $100000.00 | $350.00 | $100.00 |
| OVER $100,000.00 | $25.00 PER $25K | $25.00 PER $25K |
For interstate shipments we offer two valuation options for you to choose from to protect your goods.
Please note that valuation is not insurance. It is a limited carrier liability set by our tariff. In the event of loss or damage
caused by the carrier during your move, RARE’s maximum liability is determined by the value at which you release your
goods and the coverage option you choose. We want you to understand the coverage options available and offer an explanation
for both below. If you have any questions, please feel free to contact one of our representatives for more information.
Basic liability is the minimum coverage under which your goods can be released and is provided at no additional charge.
Under this coverage our maximum legal liability is limited to $0.60 per pound per article. An example: A 100 lb dining room
table valued at $3000 is lost or damaged; our maximum liability is $60.00 (100 lbs x $0.60 /lb). This is insufficient protection
for most situations. It is only recommended when accompanied by an insurance policy that covers goods in transit.
The best protection in the industry. Full Value coverage, provides for repair, replacement or reimbursement (whichever is
less) at today’s replacement cost. No depreciation is applied. This coverage extends to pairs and sets. If RARE cannot
replace an exact duplicate to match the other item(s) in a pair or set, we will replace the pair or set and salvage rights may
be exercised.
Full Value coverage must be purchased at an amount which is at least equal to the shipment weight multiplied by $5.00 per pound, or $5000, whichever is greater. You can declare a higher value than the minimum and can purchase Full Value at a reduced cost by choosing one of our deductible options from $250 to $1000.
View Interstate Premiums Table
RARE Moving provides basic liability coverage for the loss or damage of transported goods. If additional protection is
requested, we offer options to cover items exceeding basic liability.
Basic liability covers loss or damage while in RARE’s care at a released value of $0.60 per pound. This is insufficient in
most cases and is only recommended when goods are covered through another policy.
Coverage provides for repair or replacement according to current market value cost of equivalent item at destination,
based on the depreciated value of the item. Declared value must be at minimum of $6.00 per pound.
This covers the full cost of repair or replacement of lost or damaged items, based on the cost of an equivalent item at the
country of destination. Replacement Cost Protection coverage insures against direct personal loss from pack date to delivery
date and includes 60 days of storage coverage. An extension beyond this time limit is available. Declared value must
be at minimum $8.00 per pound.
In order to protect your shipment adequately, a valued inventory must be completed prior to pickup. If you have your item
listed for other purposes in a computer program, just print a copy for us and sign the valued inventory for the selected
amount of coverage. Please check the list prior to printing to make sure that the items reflect replacement cost at destination.
At a minimum, items valued at $500 or more per item, pair or set (20% of the total of shipment, depending on volume), must be valued prior to the move in order to pursue the opportunity for full recovery. Deductibles are available and may reduce the cost of insurance.
The following items are subject to exclusion from claims under all options:
- Items of extraordinary value not listed on the High Value Inventory form
- Lamps, lamp shades, artwork, pictures, mirrors, and statues not crated or boxed by RARE Moving Company, Inc.
- Live or artificial plants
- Any marble or glass not boxed or crated by RARE Moving Company, Inc.
- Any damaged item found in boxes not packed by RARE Moving Company, Inc.
- Missing hardware for items not disassembled by RARE Moving Company, Inc.
- Pressboard, particle board, or ready-to-assemble furniture
- Previously damaged or repaired items
- Mechanical or electrical derangement or breakdown of any mechanical, electrical or electromechanical equipment or devices unless there is
physical evidence of external damage to such property - Inevitable loss(es) caused by inherent defect or vices including but not limited to wear and tear, loose veneer, dried glue, gold leaf plaster frames
