We did a NYC - SF move in July; based on a friends recommendation we went with Flat Rate. A few other movers had better prices but the staff was professional and they seemed to have their act together.
We didn't have too much (no furniture), but had some valuables (art, electronics, antique carpet) so, just to be safe, we paid more to get extra insurance on the move. Movers were clean and efficient on both ends.
However once everything was unpacked we found many items that were damaged that could have been avoided. The paintings were in a "secure crate" but were not wrapped when they were put in so two frames were chipped. Office chair had a busted wheel. Torn lamp shade. Cracked bookshelf. Irritated but nothing that couldn't be repaired. Until we saw the carpet - two 3" tears. This was an antique that had been in the family for decades.
4 months later we finally get the assessment from http://CertifiedMovers.net. Denied on the carpet. Denied on many of the others. Approved for 475$ in damages. Conveniently enough the deductible for the insurance - 500$.
If you don't care how your possessions get to you, feel free to go with Flat Rate. Otherwise find a better option
more