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.
Free comparison · No obligation · Carrier availability varies by product and state.
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.
Related coverage
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Storage Insurance FAQs
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.
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- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers