That’s why storage insurance exists — and why it’s a smart move for anyone renting a unit.
Let’s break down what storage insurance is, why you might need it, and how to make sure you’re fully covered.
Storage insurance is a policy that protects the items inside your storage unit against risks like:
Fire or smoke damage
Water damage (from burst pipes or storms)
Theft or vandalism
Natural disasters (depending on policy)
Pest damage (in some cases)
It works a lot like renters or homeowners insurance, but it’s specific to items kept in a self-storage unit.
In many cases — yes. Most storage facilities require tenants to have some type of insurance. It’s part of protecting both you and the facility.
Even if it’s not required, insurance is a smart safeguard for:
✅ Valuable or irreplaceable items
✅ Long-term storage situations
✅ Peace of mind during storms or unexpected events
Sometimes. Some homeowners and renters insurance policies do extend coverage to off-site storage, but often with limitations:
Lower coverage limits for stored items (example: $1,000–$2,000 max)
Exclusions for certain types of damage or long-term storage
Higher deductibles
It’s always best to check with your insurance provider to understand what’s covered — and if you need additional storage-specific protection.
Policies vary, but a basic storage insurance plan typically covers:
Theft (with visible signs of forced entry)
Fire, smoke, and lightning
Water damage from pipe breaks or roof leaks
Storm-related damage (wind, hail, etc.)
Some plans include mold, mildew, and pest damage (check the fine print!)
💡 Note: Flooding, earthquakes, and neglect may not be covered unless you add extra protection.
Storage insurance is usually very affordable, with plans starting around $10–$20 per month, depending on:
The coverage amount you select (typically $2,000 to $10,000+)
Your location
The facility’s provider or your own insurance choice
Many facilities offer their own insurance programs, but you’re often welcome to bring your own approved coverage.
You’ve got a few options:
Through the storage facility: Many offer in-house insurance you can add at move-in.
Through your homeowners/renters insurance: Call your provider and ask if they cover off-site storage.
Through a third-party provider
Whichever route you choose, make sure you:
Keep a record of what you’re storing
Take photos or videos for documentation
Save receipts for high-value items
This makes claims easier if something ever happens.
Storage insurance is a small cost that offers big protection. Whether you’re storing furniture, electronics, business inventory, or sentimental items, having coverage means you’re not risking it all if something goes wrong.
Need help choosing a plan or understanding your options? Our team is happy to walk you through it.
🛡️ Protect what matters—because peace of mind is always worth it.
