One of the main goals when storing items is to keep them safe. However, self-storage units are not immune to accidents, theft and natural disasters. It is important to choose a self-storage insurance plan that will sufficiently cover your belongings in the event of damage to the self-storage facility and unit. Consider the following tips when looking for self-storage insurance:
.It May Possible To Save By Bundling Your Policy: If you have renter’s or home owners insurance, contact your insurance company to check if it would be possible to insure your self-storage items. Not only will you be able to take advantage of discounts from your current insurance provider but it is also much easier to have one company deal with your insurance policies. Always review the details carefully to avoid incurring additional and unnecessary costs.
.Purchase Enough Insurance To Meet Your Needs: Do not purchase only the bare minimum in order to cut costs. If you are ever in the unfortunate situation where you have to make a claim, you should ensure that your policy adequately covers the replacement of all your belongings. Make sure to detail the items in your unit and check their current market value in order to assist with purchasing a self-storage insurance plan.
Carefully Review The Details Of The Insurance Policy Before Purchasing: Self-storage insurance policies can start at as little as $6 a month. However, you should always examine what is covered and not covered under the insurance plan. For example, some plans do not cover items such as jewelry, currency, or precious stones. Take the time to ensure the policy you are purchasing meets your current needs and covers you if you plan to add more items to your unit in the future.
Keep in mind that insurance may not be included as a part of your monthly storage rental fee and it is always wise to purchase it. The self-storage facility might have adequate security but they can do little or nothing to prevent occurrences such as malicious damage, fires, floods, and other natural disasters.