Do All Self Storage Companies Include Insurance?

Do All Self Storage Companies Include Insurance?

If you are going to store your belongings in a self-storage unit, you are probably wondering whether or not they are insured. After all, there could be a fire, it could be broken into, or be otherwise damaged, leaving your valuable property at risk. The good news is that most self-storage companies offer insurance, but before you purchase it, make sure you really need it.

Insurance Is Not Always Automatic

The first thing to understand about self storage insurance policies is the fact that they are not automatically applied to your belongings. Some companies have policies already in place, and if they do, the monthly cost of your unit may include an amount for insurance. However, this is rare. Most companies are competing to get your business by having the lowest possible rate for storage, and as such they may not build insurance into the cost. This will only cause them to lose business to companies advertising lower rates. However, you can usually get insurance if you want it, but you will have to pay for it.

Will it be expensive?  

Our Self-Storage insurance policies are competitively priced and offer wide ranging cover from just one month.  Get a Quote to compare Compare Self Storage Insurance costs at

You May Not Need It

If you own your own home and have a home insurance policy, you may not need insurance on your items in storage. Before you sign up for the insurance policy offered by the storage company, check with your current home insurance provider. Your home insurance policy may cover your possessions, and this may include possessions stored away from your property. Some insurance policies cover all of the property of the homeowner, no matter where it is in the world. Of course, your excess and any exclusions that apply to the home insurance policy also apply to the items you are storing, so if you feel that your belongings will not be adequately insured, be sure to consider purchasing a specialist storage insurance policy.

What if You Are Not Covered?

If you do not have an existing insurance policy that will cover your belongings while in storage, you will have to decide whether or not the cost of the storage companies insurance is worthwhile. The only way to do this is to determine how valuable the items you will be storing are, how upset you will be if you lose them, and then choosing whether or not the cost of the policy make sense in light of the value of your belongings.

Even the best security measures can be overcome, and no one can protect your belongings from a natural disaster. If something happens to the building, your belongings may be lost, and you will be left with nothing. If you do not want to see this happen, consider purchasing insurance for the items you place in self storage.

If you need to arrange cover for your goods in storage…

Consider purchasing Self Storage Insurance for your personal or business items at  If you need any further information our expert advisers are on hand to help – contact us

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Patrick Pellens

Author: Patrick Pellens

I started in the insurance industry in 2003 specialising in Personal Insurances such as Motor Bike, Car and Home Insurance.