When you hire a mover for your piano, you’re trusting them with an instrument that can be worth thousands—or tens of thousands—of dollars. But not all moving insurance is created equal. Understanding piano moving insurance coverage is essential to protect your investment.
At Regina Moving, we simplify this by including a Damage‑Free Guarantee with $1.5 million in coverage—at no extra charge. Our zero‑claim record means we’ve never had to use it, but it’s there for your peace of mind. This guide explains the types of coverage, what’s included and excluded, and how our guarantee works.
TO know more about piano after care visit our guide here.
Types of Moving Insurance – Released Value vs. Full Value
When you receive a moving quote, you’ll often be offered two types of valuation (the industry term for coverage):
- Released Value Protection
- What it covers: Minimal coverage, usually $0.60 per pound per article.
- Cost: Included free.
- Example: A 500‑lb upright piano would be covered for $300. If it’s damaged, you’d receive at most $300—far less than the cost of repairs or replacement.
- Full Value Protection
- What it covers: The mover is liable for repair, replacement, or current market value of the item.
- Cost: Usually an extra fee, often 1–3% of the declared value.
- Example: A $10,000 grand piano damaged in transit would be repaired or replaced at full value.
Many movers charge extra for Full Value Protection—or don’t offer it at all. Regina Moving includes a Damage‑Free Guarantee that effectively provides Full Value Protection up to $1.5 million, with no extra charge.
What Is Covered – and What Is Not
Even with Full Value Protection, there are limitations. Knowing them helps you prepare.
Covered:
- Damage caused directly by the mover’s crew during loading, transport, or unloading.
- Loss or theft of the piano while in the mover’s possession.
- Damage to your property (walls, floors, door frames) caused by the move.
Not covered:
- Pre‑existing damage. That’s why we document the piano’s condition with photos before the move.
- Acts of nature (flood, earthquake, severe storm). These are typically covered by homeowner’s insurance.
- Improper packing if you packed the piano yourself. We handle all packing to eliminate this risk.
Regina Moving minimizes risks by using trained crews, specialized equipment, and thorough planning. Our zero‑claim record is proof that we take every precaution.
How Regina Moving’s Damage‑Free Guarantee Protects You
Our guarantee is simple: We guarantee no damage to your piano or property during the move. If damage occurs—despite our best efforts—we cover repair or replacement up to $1.5 million.
What this means for you:
- No extra cost: The guarantee is included in every piano move.
- No deductible: You don’t pay out of pocket.
- Peace of mind: You’re covered for the full value of your piano.
Because we’ve never had a claim, we can’t speak from experience on the claims process—but we stand behind our promise. If the unthinkable happens, we’ll make it right.
Claims Process – What to Do If Damage Occurs
We’ve never needed to process a claim, but if you ever find yourself in that situation with another mover—or if the unlikely happens with us—here’s what to do:
- Inspect immediately. When the crew unloads the piano, walk around it with the crew leader. Check for new scratches, dings, or structural issues.
- Document. Take photos of any damage. If possible, note it on the bill of lading before the crew leaves.
- Contact the mover. Call them right away. A reputable company will want to resolve the issue quickly.
- Keep receipts. If you need temporary repairs or an estimate, keep all documentation.
With Regina Moving, we’ll handle the resolution directly. You won’t have to navigate insurance adjusters or haggle over valuations.
Protect Your Piano – Choose Regina Moving
Your piano is an investment in music, memories, and value. Don’t leave its protection to chance. With Regina Moving, you get experienced crews, specialized equipment, and a Damage‑Free Guarantee that provides real peace of mind—all at no extra cost.
Schedule your free in‑home assessment today.
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FAQs About Piano Moving Insurance
Is basic moving insurance enough for a grand piano?
No. Released Value Protection only pays $0.60 per pound. A 600‑lb grand piano would be covered for just $360. Full Value Protection is essential.
Does homeowner’s insurance cover a piano move?
Often not. Many policies exclude damage during a move, especially if you move it yourself. Check your policy or consider moving‑specific coverage.
How much does Full Value Protection cost?
It varies by mover. Regina Moving includes it at no extra charge as part of our Damage‑Free Guarantee.
What if the piano is damaged after delivery?
Document it immediately and contact the mover. With Regina Moving, we’ll resolve it.
Does Regina Moving offer a claim‑free guarantee?
Yes—our Damage‑Free Guarantee is backed by 24,000+ successful moves with zero claims.
