a man sitting on the floor surrounded by moving boxes.

Moving Insurance: Protecting Your Belongings During a DITY Move

Moving can be a stressful experience, especially when it comes to transporting your personal belongings. The thought of your items being damaged or lost during a move can be overwhelming. That’s where moving insurance comes in. Moving insurance is a type of protection that can help alleviate some of the worries that come with moving.

This article will focus on how to protect your belongings during a DITY (Do-It-Yourself) move, which is a move that is personally procured rather than contracted through a moving company. DITY moves are popular among military families and individuals who are joining or leaving the military, as well as those who prefer to move their belongings themselves.

In this article, we will cover the basics of moving insurance, how it works, and the different types of coverage available. We will also provide tips and recommendations for protecting your belongings during a DITY move. By the end of this article, you will have a better understanding of how to safeguard your items during a move and ensure that they arrive at your destination safely.

Understanding DITY Moves 

When it comes to moving, there are many options available. One option that military families and individuals may choose is a Personally Procured Move (PPM), commonly referred to as a Do-It-Yourself (DITY) move. This option allows you to personally move your belongings instead of relying on the government to move them for you.

A DITY move can be a great option for those who prefer to have more control over their move, want to save money, or have specific requirements that the government move program may not be able to accommodate. However, it’s important to understand the process and requirements for a DITY move.

To start, you’ll need to obtain approval from your transportation office and complete a DD Form 2278 (Application for DITY Move and Counseling Checklist). This form will outline your responsibilities and entitlements, including weight allowances, incentive payment options, and potential expenses.

Additionally, you’ll need to keep detailed records of your move, including weight tickets and a bill of lading for any professional books and papers, to receive reimbursement for expenses and be properly compensated for any loss or damage. Understanding the requirements and properly documenting your move can help ensure a successful DITY move.

Benefits of DITY Moves

DITY moves can offer many advantages, both financial and personal. One of the biggest benefits is the control and flexibility that comes with managing the entire move. DITY movers can choose their own moving company, pack and move items on their own schedule, and have greater control over the safety and security of their belongings. Additionally, the government provides a financial incentive payment for those who choose to perform a DITY move, which can help offset some of the costs associated with the move. For military families, a DITY move can be a great way to gain valuable experience in managing a move, which can be beneficial for future moves. Overall, a DITY move can be a great option for those who want greater control and flexibility in their move, as well as financial benefits.

PCS Moving Tips for Military Families 

Military families often face frequent moves due to Permanent Change of Station (PCS) orders. These moves can be stressful and overwhelming, but there are ways to make the process smoother. One important tip is to start planning early and stay organized. Create a checklist and timeline for tasks such as packing and coordinating with the transportation office. It’s also helpful to research the new duty station and familiarize yourself with the local area, including housing options and schools. When it comes to packing and moving, consider using the Personally Procured Move (PPM) program, also known as a DITY move, which allows you to move your belongings yourself and potentially earn some extra money. Don’t forget to properly label and inventory your items to avoid lost or damaged belongings. Additionally, take advantage of resources such as the transportation office, which can provide guidance and assistance throughout the move process.

Government-Issued Moving Assistance Programs

Government-issued moving assistance programs provide financial support and resources for military families who are relocating due to a permanent change of station (PCS) move. The Department of Defense (DoD) offers several programs to assist with the cost of moving, such as the Personally Procured Move (PPM) program and the Household Goods (HHG) shipment program. The PPM program, also known as a Do-It-Yourself (DITY) move, allows service members to move their belongings themselves and receive a reimbursement for the cost of the move. The HHG shipment program provides professional packing and moving services for service members, and the government covers the expenses of the move. Additionally, the government offers incentives for service members who use the PPM program, such as incentive payments and partial reimbursement of expenses. These programs help alleviate the financial burden of moving for military families and allow them to focus on the logistics of their relocation.

Importance of Moving Insurance

Moving insurance is a critical component of any move, but especially for military families who often have to move frequently and over long distances. While the military does provide some basic protection for household goods during a move, it may not be enough to cover the full replacement value of your items.

Moving insurance provides an extra layer of protection against loss or damage during transport. It ensures that your belongings are covered in case of unforeseen events such as theft, damage or loss. Without proper insurance coverage, any damages to your personal property during the move will not be covered by the military or the moving company.

It’s important to note that not all insurance policies are created equal, and it’s important to select the right type of coverage to meet your specific needs. Some insurance policies may only provide coverage up to a certain amount, while others may offer full replacement value protection.

As a military family, it’s essential to take the necessary steps to protect your belongings during a move. Adequate insurance coverage provides peace of mind and ensures that you won’t be left with unexpected expenses if your items are lost, damaged or stolen during transport.

Types of Moving Insurance Coverage

When it comes to moving insurance, there are various types of coverage available. Understanding the types of coverage available can help you determine which option is best for your needs.

  1. Released Value Protection: This is the most basic level of moving insurance, and it’s included in the cost of your move. It provides coverage of $0.60 per pound per item. So, if a 10-pound item is lost or damaged, you would receive a maximum of $6.00 in compensation.
  1. Full Value Protection: This is a more comprehensive level of coverage that provides compensation for the replacement value of lost or damaged items. While the cost of full value protection varies based on the value of your items, it is typically around 1% of the declared value.
  1. Third-Party Insurance: In addition to the coverage provided by your moving company, you can also purchase additional insurance coverage from a third-party provider. This coverage typically offers more comprehensive protection than the options provided by your moving company, so it may be worth considering if you have valuable items to transport.

Regardless of which type of coverage you choose, it’s essential to carefully read and understand your policy’s terms and conditions to ensure that you’re adequately protected.

How to Choose the Right Moving Insurance Coverage 

Choosing the right moving insurance coverage is crucial to ensuring the protection of your belongings during a move. When selecting a policy, it is important to consider the type of move you are making, the value of your belongings, and your budget. Start by researching different types of coverage and understanding the limitations and exclusions of each. Consider the replacement value of your items, as well as the potential for loss or damage during transport. Look for policies that offer comprehensive coverage, including protection for damage caused by natural disasters or other unforeseen events. Additionally, be sure to compare pricing and deductibles to find a policy that fits within your budget. Finally, make sure to read the fine print and ask questions to ensure that you fully understand the terms and conditions of the policy you select. With the right coverage in place, you can have peace of mind knowing that your belongings are protected during your move.

What to Do in Case of Lost or Damaged Belongings

Even with the best planning, accidents can happen during a move, and some of your belongings may end up lost or damaged. In case of such an event, it is essential to know what to do.

The first thing to do is to take inventory of your belongings and check for any damages or losses. If you find any damaged or lost items, make sure to document them by taking photos and writing a detailed description of the damage or loss.

Next, you should contact your moving company and inform them of the situation. Most moving companies have policies in place to handle such incidents and will guide you through the next steps.

It is also important to check your moving insurance coverage to see if it covers lost or damaged items. If you have opted for full value protection or a similar coverage option, you may be able to file a claim and receive compensation for the lost or damaged items.

In case you are unable to reach a satisfactory resolution with the moving company, you can file a complaint with the Better Business Bureau or contact the Federal Motor Carrier Safety Administration to report the incident.

By taking the right steps, you can ensure that you receive compensation for your lost or damaged items and hold the moving company accountable for their actions.


In conclusion, moving can be a stressful and overwhelming experience, but with the right preparation and resources, it can also be a smooth and successful transition. By understanding the different types of moves, utilizing available resources such as government assistance programs, and choosing the right moving insurance coverage, individuals and families can mitigate the risks and challenges of relocating. By following the tips and advice outlined in this article, individuals can feel confident and empowered in their next move. Remember to plan ahead, stay organized, and seek help when needed to ensure a successful move.

Picture of Wes Struebing

Wes Struebing

After more than 30 years in the logistics sector, I have learned a thing or two about moving things and motivating people to do their best and offer their all to our customers. Whether in life or in business, I believe in one thing: I only want to be there if I can improve things.

Logistics is not only what I do; it is my passion.

Picture of Wes Struebing

Wes Struebing

After more than 30 years in the logistics sector, I have learned a thing or two about moving things and motivating people to do their best and offer their all to our customers. Whether in life or in business, I believe in one thing: I only want to be there if I can improve things.

Logistics is not only what I do; it is my passion.