What Insurance Won't Cover

When you store your items in a self storage unit, you want to follow all of the facility's rules and be sure to get insurance. But not everything is covered by self storage insurance, so it is important to know what insurance protects before renting your unit.

Here are some things that usually are not covered by self storage insurance:

  1. Jewelry (a safe-deposit box is a preferred method of storage for this)
  2. Money
  3. Furs
  4. Art
  5. Cars
  6. Boats
  7. Car titles, legal contracts, etc.
  8. Personal financial records
  9. Animals

So, what is covered? Most household goods, personal items, and business and commercial items that you store are covered. Most insurance policies protect from fire, smoke damage, water damage (but not flooding), windstorms, explosions, earthquakes, volcanic eruptions, lightning, building collapse, vandalism or theft, falling objects that damage the building and its contents, and hail. Most policies also protect from damage due to moths, insects, rodents, and vermin, but the amount of protection may vary.

Normal wear and tear of things is not covered. Most policies also do not protect from mold, mildew, or overdrying of items. Damage from changes in temperature and broken glass or fragile items also is not covered. Most policies cover damages when transporting things to or from the self storage unit.

Things can vary depending on the company that insures you, so you'll want to talk to them about what items are on their specific lists for insuring and not insuring at self storage facilities. Bring a list of what you intend to store to the insurance company before you rent your self storage unit and that way you will know for sure if your items will be covered by insurance.

The advice on this website is provided as a courtesy for informational purposes only. "Storage Tips" are offered as-is and no warranty is expressed or implied. For more information, see StorageFront's Terms and Conditions.

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