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Self Storage - Basics

Self Storage Basics

Self Storage - Basics

Basic storage options for household goods are to either store your possessions in a moving company's warehouse, or rent a self storage unit at a self storage facility. Why you need storage will largely decide the type of storage you'll use.

There are three basic types of self storage facilities available:

Insurance and Self Storage

Self storage space renters are responsible for insuring their own property, although some self storage facilities may offer limited insurance coverage or they may have agents that they're affiliated from whom you can purchase insurance for your stored property.

Homeowner's insurance policies only provide limited coverage when your property is stored off-premises - usually only 10% of the policy limit you have for unscheduled personal property.


Some Renter's policies provide full coverage for your property regardless of where it's at. The types of loss that are covered, the limits for special items, and other restrictions, limitations and exclusions vary from policy to policy.

Don't assume the property stored in your self-storage facility will be covered by your other insurance policies - at least not completely. Check with your agent or insurance carrier and read your insurance policy to better understand how your property will be protected when it's in a self storage unit.

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