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Storage Insurance

You're planning your move, you've decided what items to throw out, and what's to be stored, you're looking for a storage facility. Don't forget to arrange insurance for your stored goods.

You probably thought that self-storage providers would automatically provide insurance for the goods they store. Wrong!

Some may offer basic cover as part of the package, based on the size of unit you're hiring. This will probably not be enough for your needs, since the goods you store may be valuable or have sentimental value.

A good storage facility will recommend that you check out your insurance options carefully before placing your goods into self-storage.

Don’t forget to insure your stored items

Why you should get insurance

Just because the facility you've chosen has good security measures and a ban on smoking on site, don't be lulled into a false sense of security.

Your goods are technically out of your hands in self-storage and, although the facility may do everything it can to avoid theft, they can't prevent accidents and damage caused by fires, explosions, malicious damage, floods, storms and other natural disasters.


Check your household insurance first

Contact your home insurer to see if the items you place in the facility will be covered by your domestic home contents policy.

You may be fully covered for goods stored away from home or you may be able to pay an additional small premium to get such cover. This could well be cheaper than taking out a separate insurance policy.

If you do provide your own insurance cover, be aware that the self-storage provider you choose may ask to see proof of your policy before they will let you rent space.


Insurance through the storage provider

The majority of self-storage providers will offer help with insurance. Some have policies of their own in place that you can buy. Some may even insist that you take out their policy before you can rent a unit.

In this case, you will have to give the provider an inventory of contents with values before they will insure you. You will usually be offered a range of policies tailored to your actual needs.

Other storage facilities may recommend industry standard or suitable insurance policies designed for self-storage. These are often offered at competitive rates in comparison to the ones you could source for yourself.


Can I change the policy if I need to?

Remember that your insurance needs will change if you add to or remove items from self-storage.

Check with your insurance provider before taking out a policy that it can be changed if you need to.

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