{"id":757,"date":"2015-01-29T22:26:19","date_gmt":"2015-01-30T03:26:19","guid":{"rendered":"http:\/\/www.thefloridainsuranceblog.com\/?p=757"},"modified":"2026-04-16T21:41:41","modified_gmt":"2026-04-17T01:41:41","slug":"items-self-storage-insured","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2015\/items-self-storage-insured\/","title":{"rendered":"Are your Items in Self Storage Insured?"},"content":{"rendered":"

\"home-girl\"The start of a new year and decluttering seem to go hand in hand. As you sift through your assortment of possessions, certain belongings will not fit into the \u201ctoss,\u201d \u201csell\u201d or \u201cdonate\u201d piles. Some items you cannot stand to part with due to sentimental value, like your grandmother\u2019s vanity set or your college record collection.<\/p>\n

Other items you might be saving for future use, such as when you get a bigger place. \u00a0A lack of attics and basements in most Florida homes might leave you short on storage space.<\/p>\n

While storage units are popular with those moving, the Self Storage Association<\/a> reports that 1 in 10 American households rent a storage unit. Fifty percent of renters are simply storing what does not fit in their home.<\/p>\n

Before renting a storage unit, call your insurance agent<\/a> or review your homeowners insurance<\/a> or renters insurance<\/a>\u00a0policy. \u201cWhen you sign up to rent a storage unit, the self storage company may try to sell you insurance, but chances are you have coverage provided through your homeowners insurance<\/a>or rental insurance<\/a>, says Dustyn Shroff<\/a>, Vice President of GreatFlorida Insurance<\/a>.<\/p>\n

Check if your policy covers items that are stored at an alternate location other than your home. While a renter\u2019s insurance policy or homeowner\u2019s policy will cover your belongings, it might not cover them as fully as the ones kept in your home.<\/p>\n

Stored belongings might only be covered by a small percentage. \u00a0Exclusions your homeowners or renters policy might not cover include flood or water damage, mold and mildew as well as losses incurred from the failure to maintain the unit properly, which is the responsibility of the storage company.<\/p>\n

If you are storing a valuable collection, you might require a personal liability or umbrella policy<\/a> for additional coverage and peace of mind. \u00a0If you plan to keep a vehicle, motorcycle or ATV, you will most likely require separate auto insurance<\/a>.<\/p>\n

To properly safeguard your things, Self-Storage Facilites.com<\/a> has recommendations for selecting a storage facility to suit you and your belongings.<\/p>\n