Frequently Asked Questions

Baker International was created to provide high-quality claim service and all-risk replacement cost moving insurance for household goods during local, interstate and international relocations.

Carrier valuation is contractual carrier liability and is not insurance. Transit insurance provides defined policy coverage, professional claim adjustment and protection against a broader range of covered loss events.

Baker provides specialized household goods transit coverage, consistent professional claim handling, direct claim adjustment and decades of relocation industry experience.

Purchase coverage as soon as your mover and move dates are confirmed. Coverage normally must be issued before packing or loading begins.

High-value fine art, antiques and collections may require specific identification and declared values. International moves may require a complete valued inventory.

The policy requires the shipment to be insured for its full replacement value. If the declared value is lower than the actual value, claim reimbursement may be reduced proportionately.

An individual item valued over $5,000 is generally considered high value and should be specifically identified and declared.

Full replacement coverage applies to the total household goods shipment and ordinarily cannot be limited to only a few selected items.

Contents packed by the owner may have limited coverage unless external damage to the container is documented on the carrier’s delivery records.

Use the online Statement of Claim at claims.bakerintl.com or contact Baker International at 940.270.3200.

Residential claims should generally be submitted within 90 days of delivery.

Baker’s claim professionals work to investigate, document and resolve claims promptly. Timing depends on the nature of the damage and whether inspection or repair estimates are required.