Porch Moving Coverage (“PMC”) Terms of Service

Coverage Details

• Coverage Cost: $29.00 per moving service/residential address
• Coverage Limit: $5,000.00 per moving service/residential address
• Coverage Deductible: $100.00

Coverage can be added up until 24 hours before your scheduled move. You may cancel this coverage any time before the crew arrives for a full refund.

Terms & Conditions

Due to the nature of labor-only moving services, provided typically adjacent to a larger moving process, PMC’s liability is limited to claims initiated while a Moving Service Provider (“MSP”) crew is still onsite. PMC does not cover damage in transit in any situation.

Claims can be initiated via:

• Phone: (800) 995-5003
• Email: [email protected]

Moving services must be performed by the assigned MSP and fulfilled completely within the scope of a moving service job booked through a Porch Moving Group company or coverage may become null and void.

1. Coverage

PMC is a Company-defined valuation - it is not insurance.

2. Articles Covered

This coverage extends to lawful property of the insured, consisting principally of household goods and personal effects accepted for moving services except as hereinafter excluded.

3. Duration of Coverage

Coverage extends while MSP crew is onsite, performing services within the scope of an assigned job by a PMG company.

4. Exclusions

Coverage does not apply to and is not provided for:

1. Delay of shipment, loss of market, loss of value, loss of use, or consequential damages.
2. The condition or flavor of perishable articles.
3. Documents, foodstuffs, plants, animals, currency, notes, securities, accounts, bills, bullion, deeds, personal documents, family albums/videos/photographs, stamps, coins, money, jewelry, furs, baseball card collections/sports memorabilia, watches, precious stones.
4. Designer clothing, shoes, handbags and similar articles in excess of $500.00 individually or $1,000.00 collectively; collections valued over $500.00; and pianos, antiques and/or fine arts (including paintings, statuary, and similar articles) in excess of $1,000.00.
5. Loss or damage caused by or resulting from:
   • An act, omission, or order of the insured or his agent;
   • Insects, moths, vermin or ordinary wear and tear;
   • Damages caused by spillage of chemicals, cleaning solutions, flammables, lubricants, and other similar materials;
   • Defects or inherent vice of the article, including susceptibility to damage because of atmospheric conditions such as temperature and humidity or changes therein;
   • Damage in transit.
6. Damage due to or resulting from Lithium-Ion batteries. This policy excludes coverage for losses arising from Lithium-Ion batteries even when installed in property such as hoverboards, laptops, and similar items.
7. Intellectual property, intellectual value, or data stored on media.
8. Lost articles.
9. Damage to articles packed by the customer.
10. Damage to any furniture constructed of any type of veneered chipboard, particleboard, medium density fiberboard (MDF), composite board, or similar construction.
11. Damage resulting from disassembly or assembly of any furniture constructed of any type of veneered chipboard, particleboard, medium density fiberboard (MDF), composite board, or similar constructions.
12. Wrinkled or soiled clothing, linens, drapes, or rugs.
13. Damages caused during disassembly or assembly of items that require third-party service.
14. The mechanical, operational, or electrical derangement of mechanical, operational, electrical, or electromechanical devices.
15. Missing and/or stolen items unless MSP crew fault is explicitly defined by local law.
16. Real property damage, such as scratched floors, and damaged walls.
17. Loss, damage, or expense caused by or resulting from:
    • Strikes, lockouts, labor disturbances, riots, civil commotions, or the acts of any person or persons taking part in any such occurrences or disorders;
    • Vandalism, sabotage, or malicious act, which shall be deemed also to encompass the act or acts of one or more persons, whether or not agents of a sovereign power, carried out for political, terroristic, or ideological purposes and whether any loss, damage, or expense resulting therefrom is accidental or intentional.

General Conditions

1. Payment for Services and Coverage

Company-identified outstanding balances for any Company service must be fully satisfied prior to any coverage consideration.

2. Valuation

Company shall not be liable for more than the lesser of the following amounts:

• The actual cash value of the property at the time of loss, allowing for depreciation and/or obsolescence, or
• The replacement cost of the property at the time of loss, or
• The maximum limit of liability, or
• The actual cost to repair the damaged property.

3. Pair or Set

In the event of loss or damage to any article or articles which are part of a set, the measure of loss or damage to such article or articles shall apply only to the value of the piece or part lost or damaged giving consideration to the importance of said article or articles but in no event shall such loss or damage be construed to mean total loss of the pair or set.

4. Notice and Proof of Loss

The customer must initiate any potential claim while the crew is still onsite. Claims can be initiated via phone or email. Failure of the customer to initiate said loss or damage while the crew is still onsite shall invalidate any and all claims under this coverage for such loss.

5. Appraisal

The customer shall bear any expense and responsibility of acquiring an appraisal for the satisfactory repair of any item within fifteen (15) days of the Company’s written request. If the customer is unable to provide such documentation or the provided documentation does not meet the approval of the Company, the Company may then use any industry practice to identify and define actual repair costs.

6. Settlement of Claims

All adjusted claims shall be paid or made good to the customer within thirty (30) days after presentation and acceptance of satisfactory proof of interest and loss at the office of the Company.

7. Suit

No suit, action, or proceeding for the recovery of any claim under this coverage shall be sustainable in any court of law or equity unless the same be commenced within twelve (12) months next after discovery by customer of the occurrence which gave rise to the claim, provided however, that by the laws of the state within which this coverage is issued such limitation is invalid, then any such claim shall be void unless such actions, suit or proceedings be commenced within the shortest limit of time permitted by the laws of such state.