Due to a large increase in orders, we are temporarily not accepting new orders. Please check back on May 1, 2024.

does rental insurance cover storage units

Does Rental Insurance Cover Storage Units?

Renters insurance typically provides coverage for personal belongings both inside and outside your rented residence. Common items such as clothing, furniture, electronics, and appliances are generally covered against perils like fire, tornadoes, or theft.

However, coverage may not extend to events like floods, or earthquakes.


There are a few exceptions and specific details to consider when it comes to storage renters insurance. The coverage for items in a storage unit is usually limited to a percentage of your policy's maximum coverage. Additionally, if an item is outside your home or storage unit for repair or refurbishment, your insurer may deny the claim. It's important to note that items stored in another residence not covered by your renters insurance policy may not be eligible for coverage.


However, before locking your option, it's recommended to review all the points of the renters insurance policy or contact experts at Discount Storage Insurance. We will provide accurate information based on your specific policy and address any concerns or questions you may have.

4 Factors to Consider about Renters Insurance & Storage Units

Renters insurance typically covers items stored in a storage unit, but it depends on the policy you choose. Now let’s delve into the top four factors regarding storage unit rental insurance.  

Off-Premises Coverage

Many renters insurance policies offer off-premises coverage, which means your belongings are protected even when they are not inside your rented home or storage facility. This coverage often includes storage units, so if your stored items are damaged or stolen due to covered perils, such as fire, theft, or water damage, your renters insurance may provide compensation.

Policy Limitations

Renters insurance policies typically have coverage limits for personal belongings, both inside your home and in storage units. The coverage amount may vary, so it's important to review your policy and ensure it adequately covers the value of your stored items. If the value of your belongings exceeds the coverage limit, you may need to purchase additional coverage or consider a separate storage unit insurance policy.


Like other insurance policies, renters insurance often includes a deductible, which is the amount you're responsible for paying out of pocket before the insurance coverage kicks in. Make sure you're aware of your deductible amount and factor it into any potential claims for damages to your stored items.

Special Considerations

Some renters insurance policies may have specific requirements or restrictions regarding storage units. For instance, they may stipulate that the storage unit must be within a certain distance from your residence or that it should be a secured facility. Read the policy carefully or reach out to our insurance provider to understand any such conditions.

Final Thoughts on Renters Insurance & Storage Units

When it comes to insuring items stored in a storage unit, it is crucial to directly communicate with your insurance provider. By consulting Discount Storage Insurance, you can obtain accurate information tailored to your specific circumstances and gain clarity on the extent of coverage provided by storage unit rental insurance policy. 


Taking the time to understand your coverage thoroughly empowers you to make informed decisions, address any concerns, and guarantee the adequate protection of your belongings.