Porch Moving Group SmartProtection™ Coverage
Last Updated: September 5, 2025
SmartProtection™ Coverage is available to registered customers (“Customer” or “you”) for purchase to cover certain labor-only moving services (the “Labor Services”) performed by third-party providers (“Moving Service Providers” or “MSPs”) through HireAHelper, MovingPlace, Simple Moving Labor, and MovingStaffers (collectively, “Porch Moving Group” or “PMG”).
Coverage Details
SmartProtection™ can be added up to twenty-four (24) hours before your scheduled move. You may cancel this coverage any time before the Moving Service Provider arrives for a full refund. SmartProtection™ is available in multiple tiers, per Labor Service, with limits available at the following levels:
| Coverage Limits |
|---|
| $2,500 per Labor Service |
| $5,000 per Labor Service |
| $10,000 per Labor Service |
Terms and Conditions
Due to the nature of labor-only moving services, which are typically provided adjacent to a larger moving process, this SmartProtection™ Coverage is limited to claims initiated while a Moving Service Provider is still onsite. SmartProtection™ does not cover any damage which occurs in transit in any situation.
Claims can be initiated via:
- Phone: (866) 949-2492
- Email: [email protected]
Labor Services must be performed by the MSP selected during the booking process and fulfilled completely within the scope of the Labor Services booked through Porch Moving Group, or coverage may become null and void.
Scope of Coverage
This SmartProtection™ Coverage is not insurance. It is a company-defined benefit offered at PMG’s sole discretion. SmartProtection™ Coverage extends to lawful property, consisting principally of household goods and personal effects accepted for Labor Services (except as hereinafter excluded), of the Customer.
Duration of Coverage
SmartProtection™ Coverage applies while a Moving Service Provider is onsite, performing Labor Services within the scope of the Labor Services booked through Porch Moving Group.
Exclusions
SmartProtection™ Coverage does not apply to and is not provided for:
- Delay of shipment, loss of market, loss of value, loss of use, or consequential damages.
- The condition or flavor of perishable articles.
- 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, or precious stones.
- 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.
- Loss or damage caused by or resulting from:
- An act, omission, or order of the insured Customer 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; or
- Damage in transit.
- 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.
- Intellectual property, intellectual value, or data stored on media.
- Lost articles.
- Damage to articles packed by the Customer.
- Damage to any furniture constructed of any type of veneered chipboard, particleboard, medium density fiberboard (MDF), composite board, or similar construction.
- 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.
- Wrinkled or soiled clothing, linens, drapes, or rugs.
- Damages caused during disassembly or assembly of items that require third-party service.
- The mechanical, operational, or electrical derangement of mechanical, operational, electrical, or electromechanical devices.
- Missing and/or stolen items unless Moving Service Provider fault is explicitly defined by local law.
- Real property damage, such as scratched floors and damaged walls.
- 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; or
- Vandalism, sabotage, or malicious acts, 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.
Payment for Labor Services and SmartProtection™ Coverage
Any outstanding balance(s) for any Labor Services and/or SmartProtection™ Coverage must be fully satisfied prior to any coverage consideration.
Valuation
Company-Defined Valuation: All damage covered by this SmartProtection™ Coverage is subject to a valuation determined solely by PMG, in its reasonable discretion. Porch Moving Group will consider factors such as the condition, age, and market value of the item, as well as reasonable repair or replacement costs. PMG’s valuation shall be final and binding, except in cases of manifest error.
PMG 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;
- The replacement cost of the property at the time of loss;
- The maximum limit of liability; or
- The actual cost to repair the damaged property.
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. In no event shall such loss or damage be construed to mean total loss of the pair or set.
Notice and Proof of Loss
As set forth above, the Customer must notify Porch Moving Group of any alleged damage and initiate any potential claim while the Moving Service Provider is still onsite. Claims can be initiated via phone or email. The Customer must provide a detailed description and photos of the alleged damage, and cooperate fully with PMG’s evaluation process. Failure by the Customer to provide timely notice and initiate said claim while the MSP is still onsite shall invalidate any and all claims under this SmartProtection™ Coverage for such loss.
Appraisal
The Customer shall bear any expense and responsibility for acquiring an appraisal for the satisfactory repair of any item within fifteen (15) days of PMG’s written request. If the Customer is unable to provide such documentation or the provided documentation does not meet the reasonable approval of PMG, then Porch Moving Group may then use any industry practice to identify and define actual repair costs.
Settlement of Claims
All claims submitted under this SmartProtection™ Coverage will be reviewed and resolved by PMG in good faith and in a timely manner. Upon receipt of all required documentation, Porch Moving Group will evaluate the claim and, if approved, will offer one of the following remedies at its sole discretion:
- Repair of the damaged item by a provider of PMG’s choosing;
- Replacement of the item with a similar item of like kind and quality;
- Payment of a cash amount based on PMG’s valuation, subject to depreciation and coverage limits.
Acceptance of any payment offered by PMG shall constitute a full and final resolution of the claim, and the Customer agrees to release Porch Moving Group, its employees, agents, and contractors from any further liability related to the damage.
Porch Moving Group reserves the right to deny or reduce a claim if the Customer fails to comply with the Notice and Proof of Loss requirements, misrepresents material facts, or if the damage is determined to be excluded from the SmartProtection™ Coverage.
Dispute Resolution and Legal Remedies
To the fullest extent permitted by law, any legal action arising out of or relating to the SmartProtection™ Coverage must be commenced within one (1) year from the date the alleged damage occurred. Failure to bring a claim within this period will result in a waiver of the claim.
The Customer agrees that any legal action must be brought exclusively in the state or federal courts located in Dallas, Texas, and hereby consents to the personal jurisdiction of such courts. The laws of the State of Texas shall govern any dispute, without regard to conflict of law principles.
Before initiating legal proceedings, the Customer agrees to first attempt to resolve any dispute through good-faith negotiation with Porch Moving Group, and to participate in mediation if requested by PMG.
In no event shall Porch Moving Group be liable for any indirect, incidental, special, punitive, or consequential damages, including loss of use, loss of profits, emotional distress, or loss of value, whether in contract, tort, or otherwise.