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Home > Blog > Are Your Belongings Covered If Damaged in a Storage Facility?
THURSDAY, FEBRUARY 8, 2018

Are Your Belongings Covered If Damaged in a Storage Facility?

storage facility gate

Most storage facilities are kept safe from thieves and trespassers. The use of security cameras, gated facilities, and other precautions are taken to provide that safety. Some businesses are located in flood zones or have unreliable employees working there, so customers are encouraged to ensure their belongings. If you have a storage unit, make sure that you know the coverage options.

 

 

Security

A storage facility is the recommended place to keep your belongings safe from thieves and intruders. Most businesses are secured with password access gates, fences and camera systems. You have peace of mind knowing that the belongings are safe after you lock up.

Space

Choose the amount of space that you want in a storage unit. Some people use every inch to be economical, while others save space to add more items later. Either way, the extra room is the better alternative to keeping piles of unwanted items in your home or backyard.

Insurance

Even with advanced security features, no one can guarantee that the facility is 100% safe. No customer can rely on good instinct alone when working with a professional. Add an extra guarantee of protection by ensuring the belongings from theft, fire and weather damage.

You may be offered an insurance plan once you sign up for a storage unit. The storage facility has fewer dissatisfied customers who are also insured. Before you sign up for any service, it's essential that you review all insurance options. The option that is offered by the storage company is not the only one available.

Homeowners' insurance will cover your belongings in a storage unit. Review the coverage terms and limits of your existing plan. Another option is to obtain renters insurance. Many people receive more coverage when they buy the plan separately. Some homeowners' insurance plans cover only 10% of your property value, so you pay out of pocket for the remaining damages.

Renters are encouraged to make a list of their belongings, keep receipts and take pictures. Use this evidence to prove the value of your property. Then, find the plan that provides the right amount of coverage. Online sites are available to help you compare rates from different plans and companies.

You may automatically assume insurance does not cover stored belongings. Any item of value can be insured, even if it were separate from the home and locked up in a remote storage unit. Before you work with a storage service, make sure that your belongings are protected from all potential damages.

Sources

Stor-N-Lock

Chron

ValuePenguin

Trulia


Posted 9:56 AM

Tags: claims, personal insurance
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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