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Anything your renters policy normally covers would be covered in your storage unit. Belongings such as clothing, furniture, electronics, and appliances will all be covered should a fire, tornado, or water leak damage them. Even if a robber stole your things from the unit, your renters policy will still cover you. You are out of luck, however, if damage from pests, floods, and earthquakes destroy your stored items.

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Renters Insurance Cover in a Self-Storage


There are a couple of seemingly random exceptions to this. Your insurer will also refuse claim payment if the object is not in your home because it is being repaired or refurbished. If you are restoring an instrument, and deem your own home too risky to store it, your renters insurance would not cover any damage it sustains if it is kept in a self-storage unit. You also won't be covered for items that you usually store in another residence that your renters insurance does not cover. For example, if you store your old record collection that has been at your parent's house in your storage unit, they would not be covered by your renters policy. This is a gray area, and it may be hard to prove.

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