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Easy short-term storage insurance policies can help you feel prepared and won’t put your long-term homeowner’s insurance at risk.


LOW MONTHLY FEES – You may be able to save quite a bit on the cost of insuring your items by going with a policy offered by the storage facility. For example, at Extra Space Storage the IAT policy offers $2,000 to $10,000 of insurance coverage on your belongings for a monthly fee of $11 to $41. This insurance covers damage to your belongings in the event of a variety of accidental circumstances, including fire and water damage, as well as burglary.

SEPARATE DEDUCTABLE – Claims are filed through the storage facility’s insurance company, rather than your own insurance company. Therefore, these claims won’t affect the amount of your monthly homeowner’s or renter’s insurance premium or cause your personal or business policy to be cancelled.

IN-TRANSIT COVERAGE – The storage insurance policy covers items that are damaged in transit –– up to a 50-mile radius. This is coverage that might not be offered through your homeowner’s or renter’s insurance policy.

SUPPLEMENTAL COVERAGE – If you are a business owner, you may already have insurance that covers equipment and other items you’ll be storing in a self-storage unit. However, you may wish to consider investing in the insurance offered by the storage facility, as it provides good supplemental coverage for your items



Be extra careful when storing vehicles – Storage insurance policies cover most items commonly stored, however vehicles are not covered. All facilities require vehicles to be covered by an existing auto insurance policy.


Know what you’re worth – Purchasing the correct amount of insurance guarantees that if something happens, you’re covered.


If you love it, list it – If your home or business insurance covers your storage unit, make sure that your valuable items are listed on the insurance policy.

Manager's Suggestion

If you have any questions about the items you wish to store, consult the manager of the self-storage facility before you pack and arrive at the site.

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