Self-storage units can be a good way keep clutter out of your home. And having the right insurance coverage is the best way to financially protect your off-premise belongings.
Does your homeowner or renter's insurance cover off-premises property? Contact our office for a no-obligation review of your coverage.
Properly choose your self-storage facility
The storage facility you choose can impact the safety of your belongings. To choose wisely:
- Look for a secure facility. At a minimum, make sure there's fencing that secures the entire property and controlled access. Ideally, the storage building should have onsite security features such as 24-hour video surveillance cameras and coded security pads. Also, find out about the facility’s procedures in cases such as a fire or flood.
- Look for a unit with climate control. Very high or very low temperatures and dampness can quickly cause damage to appliances and furniture. Make sure that rising ground water from snow or rain is unable to penetrate the storage.
- Consider a storage company that offers insurance. If your renters or homeowners insurance does not provide off-premises coverage, you may want to opt for one of the storage company’s coverage options. Keep in mind that any facility should also have its own insurance to cover damages to the property, or injuries that occur on the premises.
- Check that the facility is clean and well maintained. If a storage facility is not routinely and thoroughly cleaned, there is a good possibility no one is monitoring for bugs and rodent infestations. Verify that the facility has a permanent, reliable pest extermination contract in place before you trust them with your belongings.