Storage Unit Insurance

At Storage Works, we take safety seriously. From our coded gate entry to 24-hour recorded video surveillance, our facilities are built and managed with security in mind. However, we understand how important it is to ensure that your belongings are always safe, and we believe you can never be too careful. If you are looking for a way to add an extra layer of protection to your items, storage unit insurance could be a great option for you.

What Is Storage Unit Insurance?

Storage insurance is a special type of policy that protects any belongings kept in your storage unit. While each policy will look different, they can cover everything from natural disasters to break-ins. The insurance can help pay for repairs or replacements if your property is damaged or stolen.

Is Storage Unit Insurance Required?

Yes, we require tenants to have insurance on their belongings at the time of rental. 

Why? – The facility only has insurance coverage on the buildings and property, so it is the tenant’s responsibility to have insurance to cover their items stored in the storage unit.

What we accept – We accept homeowners’ or renters’ insurance. The name on the policy has to be the name of the person who is renting the storage unit. To make sure your policy extends to self-storage, contact your insurance company directly. If it does cover your property in a storage unit, please bring in a copy of the declaration page at the time of rental.

Why Do I Need This Insurance?

Though we take every precaution to keep your items safe, unexpected events can still happen. Storage unit insurance is the best way to protect your property in the instance of an unforeseeable circumstance. Though each policy is different, they can cover a variety of types of damage such as that caused by:

• Fires
• Floods
• Storms
• Break-ins
• Smoke damage

Does Renters or Homeowners Insurance Cover Storage Units?

Some renters or homeowners insurance policies will cover belongings kept “off-premises” in storage units. However, the coverage is often limited to a small percentage of the value of your property – usually around 10%. A full storage unit insurance policy will compensate you for up to full coverage if your items become damaged or stolen.

How to Get Insurance on a Storage Unit

If you do not have homeowner or renters’ insurance, we offer self-storage insurance coverage from a 3rd party provider in our office. You can sign up for a policy at the time you complete your contract.