Binding vs. Non-Binding Moving Estimates, Explained
The three estimate types movers offer, what each one legally obligates them to charge, and which one you should ask for.
Why the estimate type matters more than the number
Two quotes can say "$4,000" and mean completely different things. Federal rules recognize three estimate types, and the one you choose determines whether your final bill can change.
Non-binding estimate
A rough guess. The mover can charge up to 110% of the estimate at delivery and bill the rest later. If your shipment weighs more than estimated, you pay more. This is the estimate type behind most "my price doubled" horror stories.
Binding estimate
A fixed price for the inventory and services listed. If nothing changes, the price cannot change — even if the truck weighs more than expected. If you add items or services, the mover can renegotiate before loading.
Binding not-to-exceed estimate
The best option for most people. You pay the quoted price if the shipment is heavier than estimated, and the lower actual weight price if it is lighter. You can only win, never lose.
What to ask for
- Ask every mover for a binding not-to-exceed estimate in writing.
- Make sure the inventory list attached to the estimate is complete — anything missing is a loophole.
- Confirm whether shuttle fees, stairs, long carries, and packing materials are included or extra.
The 110% rule
With a non-binding estimate, the mover must release your goods if you pay 110% of the estimate at delivery. The rest is billed within 30 days. Knowing this rule is your protection if a driver demands cash on the spot.
Frequently asked questions
Which moving estimate is best?
A binding not-to-exceed estimate. Your price can only go down if the shipment is lighter, never up.
Can a mover charge more than the estimate?
With a non-binding estimate, yes — up to 110% at delivery, with the balance billed later. With a binding estimate, no, unless you add items or services.
What is the 110% rule?
On a non-binding estimate, the mover must release your belongings if you pay 110% of the estimate at delivery. They cannot hold your goods for the full inflated amount.
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