Ensuring the security of your belongings is important to us as it is to you. Given the time, money, and effort you put into moving your belongings to a self-storage facility, you want the peace of mind knowing that they’re safe, secure and protected under any circumstances.
Like homes and businesses, there are certain unfortunate circumstances that can occur at a storage facility, such as fire, flood, and other extreme conditions. If any of these events were to occur:
Are your stored items protected?
Who is responsible for the damage and loss?
When it comes to insurance coverage for your belongings in a personal storage unit, things can get a little hazy and unclear. But rest assured, we are here to help explain it all!
It may surprise you to find out that personal property stored within a self storage facility is not covered by the facility for loss or damage.
This leaves many customers wondering whether their homeowner’s insurance or tenant’s insurance policies extend to cover their belongings while in self-storage. The best way to answer this question is to ask your insurance provider.
In our experience, very few homeowner and tenant insurance policies will extend to belongings stored offsite or they will only provide a 30-day window once your belongings are offsite. If you're one of the lucky ones whose policy does extend, we encourage you to confirm the following with your insurance provider:
The array of events you are covered for (and not covered for).
The amount of coverage you have.
What stored items are covered as these extensions often come with many restrictions.
If your insurance policy will not extend to your self storage unit, don’t stress! You can get stand-alone self storage insurance.
Self-storage insurance is a great idea if you want or need that extra layer of protection for your belongings while they are stored away from you. Whether your current insurance policies will not extend or if you want a separate policy having that in place will help give you the peace of mind you need.
Contact us to learn more about how we can help you protect your stored belongings with self-storage insurance.