A Guide to Choosing the Best Self-Storage Facility Insurance Plan

Self Storage insurance

Choosing the best self-storage unit facility is not easy and making sure that you have chosen the right insurance plan for your self-storage unit is extremely important. When it comes to choosing the best self-storage facility, the individual needs to keep in mind that one of the most crucial factors that play a role in the process of this decision-making is the type of products, belongings, and items of the individual that would be stored. 

Types Of Self-storage Facilities:

There are two main types of self-storage facilities that help individuals store their products. Regardless of whether the individual needs to temporarily store belongings in between moving or need a long-term storage unit, every self-storage facility has these two types of storage units.

The short-term storage unit is usually used by individuals who plan to keep their belongings stored for less than three months and is beneficial for people who prefer wanting quick access to their belongings, need the extra space for selling the products, or do not want to sign a long term contract.

The long term storage unit is usually used by individuals who need the storage units for longer than three months and can be used by anyone- regardless of whether it is a business or individual and is beneficial to individuals who will not be needing their belongings right away, who need to save on the monthly costs and store away seasonal products.

Which Brings Us To The Question, How Does Storage Insurance Work?

When it comes to making sure that the belongings that are stored in the self-storage unit are protected, the insurance policy will make sure that if anything were to happen to your belongings (your property), irrelevant of where you will be, they will cover it. There are a few self-storage unit facilities that require you to reserve a storage unit before they may offer storage insurance and not all self-storage facilities guarantee insurance.

If you have your own home insurance, that might cover your belongings that you store within a storage unit as well.

Always Make Sure That You Have Understood The Insurance Regulations Of Your Self Storage Unit Facility 

You need to understand that every self-storage unit facility has its own rules and regulations that govern their renter’s insurance coverage, and make sure that you have spoken to the staff at the storage facility to clearly understand the possible coverage, gain clarity on the agreement and get the information you need such as if the storage facility needs proof f home insurance, a particular insurance brokerage and so on.

You need to understand that you have to take your own time to understand and analyze their answers in order to not get confused and if you do, always clarify it with the facility and its staff. 

Always Check If Your Home Owner’s Insurance Can Cover Your Self Storage Belongings

Once you have understood the requirements of your self-storage facility, you will have to check your homeowner insurance policy and plan. Several times, these insurance plans offer a level of coverage for the items placed in the storage unit as well. You will have to read through and understand the regulations in order to see how much of the plan really covers your belongings.

This will save you the time and energy of choosing another insurance plan or choosing the right insurance plan for your storage unit.

Make Sure That You Speak To Your Current Insurance Provider

Making sure that you speak to your current insurance provider is one of the best ways to make sure that if they already do cover your belongings, you will be confirming with them directly from the source. Your insurance provider should be able to clarify exactly what is covered by your insurance plan and should also inform you if you will need a separate insurance plan for your self-storage unit as well.

Make sure that you are transparent and thorough with your questions while informing the insurance agent. Ensure that you let them know the requirements of the self-storage unit facility as well to make sure that you are following all the necessary and needed rules and regulations both- the insurance company and the self-storage unit facility have in place.

Always Check And Make Sure If They Are Licensed

Make sure that you have done your research by determining if you can use your home owner’s insurance plan or need a separate insurance policy altogether for your self-storage unit. Always make sure that your brokerage is licensed and make sure of it completely before agreeing to any form or type of coverage.


You need to understand that this guide will help in choosing the best self-storage facility insurance plan for yourself do not limit yourself when it comes to choosing the right brokerage, always research and speak to several brokerages available to know and gain a better understanding of the self-storage insurance policies and plans available, and you will be likely to receive.

Do not be afraid of asking questions and make sure that you cross-check every single point found in this article with the insurance policy agents because there are chances that you may even receive a better policy.