Storing your belongings in an on-site or off-site storage facility may be essential. Perhaps you are in the middle of a move and need the extra room. You may be in need of storage for extra belongings or out-of-season gear.

The Self Storage Association says about 10 percent of Americans use self-storage facilities. But, are these units protected by your home insurance?

Read the Fine Print

You rented a storage unit or locker for your excess belongings. You stored a good amount of furniture there. You didn’t think twice about it. Then, you get a call that a fire or storm damaged your belongings.

Have you lost all your belongings? Most home insurance plans provide for coverage for self-storage and storage lockers. Policies differ, though.

• Check your plan. See if it covers both on-site storage and off-site storage units.
• Every plan will have a maximum claim amount. Make sure this is at least the amount of worth of your belongings.
• The type of damage matters, too. Policies will likely not cover incidents related to flooding or mold in units.

What if you store a significant amount of property there? If you use these lockers or storage units excessively, raise your coverage. You can buy standalone insurance policies for extra furnishings or assets.

If you plan to store your property long-term in these units, separate coverage may make sense. Most policies provide a 10 percent maximum of coverage for off-premises losses.

Pay Attention to Your Unit

It is easy to invest in a storage locker and forget all about it. That’s never a wise decision. Instead, first check to make sure the company you select is reputable. See the unit in advance to ensure that it is watertight. Invest a few minutes in properly organizing your belongings. This can ensure they remain safe. And, check on your belongings from time to time.

Taking these steps can help you safeguard your property. If and when there is damage or theft at your storage unit, report it to your home insurance agent. Your agent will work with you to file a claim for your losses.

RCU Insurance Services can help you get the storage insurance you need. Explore our website to learn more about how we can cover you. If you have questions, call us at 707-576-5120.