Self storage is an affordable and safe option when it comes to getting the extra room you need to put your items in storage. The security offered by self storage facilities can help keep your items in storage safe, but what happens if a natural occurrence such as flood or fire occurs and your valuable items are destroyed? This is where insurance can come in handy.
Why Insure Items in Storage?
You may be wondering if the items you place in a storage unit are covered by a current insurance policy, and this is a good thing to think about. You don’t want to wait till a disaster has happened to find out whether you are covered or not for your items in storage. You may also find that the self-storage company requires you to have coverage on the items in storage.
What you will need to do first is contact your current insurance agency. Ask if items on your homeowners or renters insurance are covered if they are stored off-site. Now is also a good time to review your current coverage amount and make sure it is adequate.
If your insurance company is positive that your items can be covered under your current policy, you will want to make sure that your coverage amount includes the items in storage. If your insurer asks that you list valuable items, make sure things going into storage are on this list.
If your insurance policy does not cover items that are held off-site from the residence you live in, you will need to look around for additional coverage. This additional coverage may come in the form of storage insurance, which was created to specifically cover items held in off-site storage. You will want to make sure you have enough coverage to insure everything going into your storage unit. You will also want to make sure you change your coverage when items go in and out of your unit.
If you are looking for additional storage insurance, the storage facility you choose may be able to help you. Many facilities offer this insurance at sign up, you will just want to double check that your items aren’t already covered before purchasing additional coverage.
Tri-City Self Storage offers the highest level of security of any storage facility in the Loomis area. Our storage experts are here to help you find the perfect options for your items in storage. Contact us today to find out more about our flexible rental terms at 916-652-4642.