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Full Value Protection

Full Value Protection Moving Insurance provides true peace of mind. When you select this option, articles that are lost, damaged or destroyed will be either repaired, replaced with articles of like kind and quality at today’s market value. My Smart Movers Ottawa provides Full Value Protection for the convenience of its clients.


In the instance that personal item(s) are damaged, MySmart Movers Ottawa offer the following full valuation protection moving insurance options to allow us to rectify the situation quickly, keeping you happy with our services during your move.

MySmart Movers offer you total peace of mind with Replacement Value Protection, the most comprehensive protection plan in the industry. Should an item sustain damage while in MySmart Movers care under Replacement Value Protection, MySmart Movers accepts responsibility to repair the article, or if repairs are not possible or if an item is lost, MySmart Movers will replace it with an item of like value and quality.

Release Rate Liability

Our standard and economical option, offering minimal protection at no additional cost. Claims for loss or damage are based on weight multiplied by 60 cents per pound. For example, if MySmart Movers would lose or damage a 20-pound computer valued at $2,000, your settlement would not exceed $24.00. Think carefully before agreeing to the Minimal Protection option. If you choose it, you must sign a specific part of the agreement that you are agreeing with the minimal protection.

You may decide upon full value protection, an affordable choice for peace of mind. Whatever you choose, please don’t hesitate to ask questions. We’re working together on a great relocation for you, and we want you to understand your options and be confident in your decisions.

Full Value Protection

Full Value Protection provides true peace of mind. When you select this option, articles that are lost, damaged or destroyed will, at MySmart Movers discretion, be either repaired, replaced with articles of like kind and quality at today’s market value, or a cash settlement will be made for the repairs or for replacement of the articles at their current market value, regardless of the age of the lost or damaged articles. MySmart Movers provides Full Value Protection for the convenience of its clients in the following manner.

Full Value Protection Option – A

Minimum Coverage: $3,000 with $500 deductible
Cost: $120 plus applicable H.S.T

Full Value Protection Option – B

Minimum Coverage: $5,000 with $500 deductible
Cost: $200 plus applicable H.S.T

Full Value Protection Option – C

Minimum Coverage: $10,000 with $500 deductible
Cost: $400 plus applicable H.S.T

Example of Full Value Protection

The approximate cost for Full Value Protection for a 3 or 4 bedroom house is $40.00 for every thousand dollars of coverage you decide to purchase. For example for $10,000.00 coverage your cost will be $400.00 with $1,000 deductible.

Content Protection Policy is not “Insurance” in the normal sense of having a specific policy written under the auspices of an insurance underwriter. Instead the funds for repair or replacement come from a “valuation fund” held by MySmart Movers and are subject to terms stated on the bill of lading and/or under terms of service as stated on our website.

Please make sure all high value items are noted in writing by MySmart Movers Crew prior to the move this will insure proper coverage. Please carefully read exceptions from liability section below to better understand what is not covered under Content Protection Policy. If you have any questions regarding our Content Protection Policy please call us and one of our friendly staff will be happy to answer any questions you might have.

Exceptions from Liability

The Company shall not under any circumstances, be liable for:

  • Loss, damage or delay to any of the goods described in the bill of lading caused by an act of God, the Queen’s or public enemies, riots, strikes, a defect or inherent vice in the goods, an act or default of the consignor, Owner or Customer, authority of law and or quarantine.
  • Mechanical quality of any electronics or appliances.
  • Acoustical quality of any musical instruments.
  • Damage to articles made of press board, Particle board or wafer board or similar structured materials
  • Damage to glass, marble or similar materials in or part of articles being moved
  • Damage caused by or due to peeling veneer of any sort
  • Deterioration of any article due to aging, temperature, humidity or moisture
  • Loss or damage to electronics. All electronics are moved and/or transported at owner’s risk.
  • Loss or damage to articles that are being moved internally that are not part of pickup or delivery at either of the Customer location.
  • Responsibility to use the proper packing methods is the clients and owner packed cartons are covered only if there is visible damage to the carton.
  • Items of extraordinary value including but not limited to Mortgage Papers, Legal Documents, Business Documents, Antique’s, Jewellery are not covered by either release rate liability or full value protection. Therefore these items are moved and/or transported at owner’s risk.
  • Exterior cosmetic damage on unboxed merchandise caused by Company is consignor’s sole responsibility. Company does not take any responsibility what so ever on items that are unpacked or poorly packed. All unboxed or open items are mover and/or transported on Customer’s sole responsibility.
  • MySmart Movers reserves the right to refuse to move items through passages or stairways with less than 3 inches clearance all around the walls/ceiling and the item in question. In agreeing to these terms and condition of service you are waiving any liability against MySmart Movers for damage that might occur to the passage, stairways, walls or the items in question during execution of such maneuvers.
  • MySmart Movers is not responsible for any damage what so ever to the interior or exterior of the home. As such any insurance purchased will only cover damage to items being moved.
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