Cover your stored belongings
Storage Unit Insurance Coverage & Quotes
Storage insurance protects belongings in a storage unit against theft, fire, and certain damage — filling the gaps a home or renters policy may leave.
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Where are you located?
Storage coverage protects belongings kept off-site. Start with your ZIP.
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Quick answer
Storage unit insurance covers stored belongings against theft, fire, and certain water or weather damage. Home and renters policies often cover off-premises property only up to a reduced sub-limit, so a dedicated plan may be needed for valuable stored items.
What storage insurance covers
A storage plan protects the belongings you keep off-site.
- Theft & burglary — covers items stolen from your unit.
- Fire & smoke — protects against fire damage at the facility.
- Water & weather — covers certain water and weather-related losses (read exclusions).
Does your existing policy already cover it?
Many renters and homeowners policies cover off-premises property, but usually only up to about 10 percent of your personal property limit. If you store furniture, electronics, or valuables, that sub-limit may fall short and a standalone plan can help.
How much storage coverage do you need?
Inventory everything you store and estimate its replacement value, then choose a limit that covers the total. Keep photos and a written inventory to document a claim. Coordinate with your renters or home policy to avoid overlap.
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Storage Insurance FAQs
Does my renters or homeowners policy cover items in a storage unit?
Often yes, but usually at a reduced off-premises limit (commonly around 10 percent of your personal property coverage). If you store valuable items, that sub-limit may not be enough.
Is storage unit insurance required?
Many storage facilities require proof of insurance and may offer their own coverage at checkout. You can often use your existing home or renters policy or buy a standalone storage plan.
What does storage insurance cover?
Storage coverage typically protects stored belongings against theft, fire, and certain water or weather damage. Read exclusions carefully — mold, pests, and flooding are often limited or excluded.
How much storage insurance do I need?
Estimate the total replacement value of everything you store and choose a limit that covers it. Take photos and keep an inventory so you can document a claim if needed.
Is the storage facility responsible if my items are stolen or damaged?
Usually not. Most rental agreements state the facility is not liable for your belongings, which is why they require or offer insurance. Coverage comes from your own home, renters, or a standalone storage policy — not the facility.
Does storage insurance cover climate-related damage like mold?
Coverage varies. Sudden water damage may be covered, but gradual mold, mildew, humidity, and pest damage are frequently excluded. A climate-controlled unit reduces this risk, and you should read exclusions before relying on coverage.
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