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Proper insurance important for self storage

Make sure to insure items placed in self storage, the Insurance Information Institute says.

Make sure to insure items placed in self storage, the Insurance Information Institute says.

Homeowners who utilize self storage containers to de-clutter their homes or keep valuables in storage should make sure that their belongings are properly insured, according to the Insurance Information Institute.

Many homeowners insurance policies cover items in storage, said III vice president Loretta Worters in a February 28 release. There are, however, often limitations of the coverage. Some policies will only cover stored items up to 10 percent of the value of the policy. Other issues concerning specific facilities, such as rodent infestation or poor management, may not be covered at all.

“Many storage facilities offer a variety of additional insurance policies, so make sure you understand what is and is not covered," Worters said.

III recommends anyone considering renting a self storage container first make sure the facility, including the surrounding area, is secure. Facilities with climate control can also help protect valuables. Also, find out about a facilities policy in the event of fire or flood.

Nearly one in 10 U.S. households rents a self storage space, according to information from the Self Storage Association.