Compare moving estimates only after both movers price the same belongings, route, dates and services. Then add costs outside either mover’s contract, such as packing materials or building access. A low starting number is not a reliable total if the inventory or terms differ.
The FTC advises getting several written estimates, ensuring they list all your property, asking about damage coverage, and avoiding blank paperwork or demands for cash or a large deposit before the move. For an interstate mover, check its U.S. DOT registration; for an in-state move, consult the state consumer protection office about applicable rules.
Make the written estimates comparable
- Inventory: compare room-by-room contents, bulky or fragile pieces, and what the mover has actually seen or asked you to describe.
- Scope: note whether packing, boxes, disassembly, stair carries, long walks, elevators, storage or a shuttle vehicle are included, excluded, or priced conditionally.
- Pricing basis: ask whether the estimate is hourly, fixed for stated services, or subject to measured weight and additional work. Confirm minimum hours, travel time, mileage, fuel, payment method and cancellation terms in writing.
- Protection: ask what the mover offers for loss or damage and what an optional higher-protection choice would cost. Do not assume the word “insurance” describes the exact coverage.
Freddie Mac’s moving-cost guide specifically calls out packing materials, truck mileage and fees, cleaning, specialty items, storage, travel and possible insurance or valuation costs. Not every charge will apply to every move. Ask each provider to identify which services are already included rather than adding them twice.
A hypothetical two-quote comparison
| Line | Quote A | Quote B |
|---|---|---|
| Base mover estimate | $900 | $1,100 |
| Packing, stairs, mileage not in base | $130 + $90 + $50 | Included |
| Personal boxes, cleaning, access | $45 + $110 + $35 | $45 + $110 + $35 |
| Planning total | $1,360 | $1,290 |
The personal-cost line is $190 in either case. Quote A’s added mover services are $270, making its planning total $1,360; Quote B totals $1,290 under these assumptions, $70 less despite its higher base estimate. This is a worksheet, not a tested mover or a promise of final charges. If “included” is not confirmed in writing, mark Quote B incomplete rather than declaring a winner.
Keep estimates and separate move-in payments distinct
A written estimate is not necessarily a final bill. Inventory changes, additional services, timing and the contract’s pricing method can change what you owe. For interstate shipments, specific federal rules may apply to binding and nonbinding estimates, but do not assume those rules govern a move within one state. Ask the mover to explain its estimate type and the treatment of changes before signing.
Rent, a potentially refundable security deposit, a new utility setup charge and new furniture belong in a broader move-out cash plan, not inside a mover’s quote. Likewise, buying necessities for the new place belongs in the essentials checklist. Keep a separate cash line for uncertain extras and do not present that reserve as a guaranteed fee.
What to do before booking
- Send the same inventory, addresses, access details and target date to multiple movers.
- Ask each for an itemized written estimate and mark every cost “included,” “priced separately” or “unknown.”
- Verify the company’s identity and applicable registration; read the contract and protection terms without signing blank fields.
- Revise your comparison if the inventory or services change, and save the signed documents.
Choose on the complete terms and service fit, not merely the smallest base figure.
Sources and notes
- FTC, Avoid scams when you hire a moving company
- Freddie Mac, Moving Costs to Consider During Your Next Move
Source links and illustrative calculations checked on 2026-09-22 (UTC). This article was prepared with AI-assisted research and drafting, followed by source and calculation checks. This is not an independent human or professional review. Read our editorial policy or report a correction.
