Essential military moving tips
Get advice on planning, packing and insurance to help make your move a little smoother.
What’s this coverage?
It’s called the armed services PCS endorsement, and it’s added to your homeowners or renters policy at no extra cost. We’re currently rolling out new locations.
If your household goods get lost or damaged during a PCS move, we’re here to help.
Who it’s for
It’s for active duty and active reserve service members with PCS orders.
If it’s available in your area, we’ll automatically add it to your policy. To check if you have PCS coverage, review your policy documents.
Things to know before you PCS or file a claim
- You need to use a military mover: This coverage only applies to government-contracted moving companies. It doesn’t cover do-it-yourself or private company moves.
- Your policy needs to be active: It’s important to keep your policy active until your items are delivered to your new home. That way, there won’t be a lapse in coverage.
Homeowners and renters PCS coverage FAQ
It’s best to file a claim as soon as your items are delivered and you notice missing or broken things.
You have up to 180 days from your delivery date to report the damage to us and your moving company.
If your loss is more than $10,000, contact your adjuster. They'll help you understand all your options.
Our PCS coverage is designed to make the claims process as smooth as possible.
You just need to notify the moving company, or Transportation Service Provider, of the damage. Then file your claim directly with us.
We'll cover your damaged items so you don't have to wait on the moving company. Once we've paid your claim, we'll work with them to recover the funds.
No, you'll file your claim with USAA. But first, you need to notify the moving company of the loss or damage, either during or after delivery. You can use their forms to do that.
Once you file the claim, you'll get a dedicated adjuster who will guide you through the rest of the process.
