Interstate (crossing state lines) Household Goods Mover Insurance Requirements are different than intrastate (within one state). The Federal Motor Carrier Safety Administration (FMCSA) regulates the insurance requirements for household goods moving across state lines. According to the FMCSA, there are two primary requirements. The first is liability, or commonly called commercial auto coverage, and the second is cargo insurance coverage.
As of the time of writing, the minimum requirements for cargo insurance coverage is $10,000, which is significantly lower than the $150,000 cargo insurance requirement for non household goods moving truckers. And for bodily injury, the minimum requirement is $750,000