What Does Storage Insurance Cover?

When you rent a storage unit, safeguarding your belongings becomes a top priority. That’s where storage insurance comes in. But what does it actually cover? Here’s a comprehensive list to help you understand the protection that storage insurance offers.

1. Theft

Unfortunately, theft can happen. Storage insurance typically covers stolen items, providing peace of mind that your valuables are protected even if someone manages to break into your unit.

2. Fire and Smoke Damage

Fires can cause significant damage, but most storage insurance policies cover losses due to fire and smoke. This ensures that your belongings are protected from such devastating events.

3. Water Damage (Excluding Floods)

Storage insurance often covers water damage caused by issues like leaking roofs or burst pipes. However, it’s important to note that flood damage is usually not included and requires separate coverage.

4. Vandalism

Acts of vandalism are covered under many storage insurance policies. If your storage unit or its contents are damaged by vandals, your policy will likely cover the repair or replacement costs.

5. Natural Disasters

Certain natural disasters, such as tornadoes and hurricanes, are typically covered by storage insurance. This means your items are protected from the unpredictable forces of nature.

6. Pest Infestation

Damage caused by pests like rodents and insects is often included in storage insurance policies. This ensures that if your items are affected by an infestation, you can recover your losses.

7. Mold and Mildew

Some storage insurance policies cover damage from mold and mildew, especially if the cause is related to a covered peril like water damage. Be sure to check your policy details for specifics.

8. Mechanical Breakdown

If your storage unit includes climate control or other mechanical systems, insurance may cover damage resulting from their malfunction. This protects your belongings from temperature extremes and humidity issues.

9. Accidental Damage

Accidents happen, and storage insurance can cover accidental damage to your belongings. Whether it’s a mishap while moving items in and out, or an unexpected event, this coverage keeps you protected.

10. Personal Liability

Some storage insurance policies include personal liability coverage. This protects you if someone gets injured in your storage unit or if you accidentally cause damage to another unit.


Understanding what storage insurance covers ensures that your belongings are well-protected. From theft and natural disasters to accidental damage and personal liability, a comprehensive storage insurance policy can offer the peace of mind you need. Ready to secure your storage unit? Contact your provider today and get the protection you deserve!