Protecting Items in Your Storage Unit: What You Need to Know About Storage Insurance

Wednesday December 20, 2017

After coming to the realization that you have officially run out of room at home to store your personal items, a self storage unit becomes your next target. However, hesitation is natural when thinking about keeping belongings that are sentimental or valuable away from your home. Here we will take a look at the added security that comes from keeping your valuables at a Houston self storage unit, and how to make sure your belongings are safely tucked away.

How to Keep Your Valuables Safe While in Storage

Storage security starts with controlled access to the facility. When you go to your unit to drop off or pick up your items, you want to make sure your storage facility provides monitored access, such as a code or keycard access pad. Facilities even go so far as to require this again as you leave and any time you access elevators or sliding glass doors.

Once inside your facility, take notice as to whether or not every unit has a personal alarm. Additionally, it is important that all activity is supervised with security cameras and trained, experienced security staff on site. To increase the security of your valuables, your storage facility should enforce defined access hours to help monitor visitors and traffic.

While these security measures are important and effective, you are ultimately responsible for keeping your valuables safe. It is recommended that you regularly take inventory of everything in your storage space and alert your facility if anything appears to be missing. You may also wish to consider renting a climate-controlled unit to prevent damage from mold, dry air, and other common conditions in a non-controlled environment.

Should You Purchase Insurance?

Even though most facilities do not require or sell storage insurance, it is highly recommended that you purchase it. Having your valuables insured provides you with comforting peace of mind that you can repair or replace them should something out of your control occur, such as a severe storm.

Obtaining storage insurance isn’t as difficult as you might think. Many companies that provide insurance policies for homeowners or renters offer some coverage for items stored at an off-site location. If your policy doesn’t offer this coverage or it isn’t enough to meet your needs, be sure to inquire about the possibility of purchasing additional protection. Most policies require you to meet a deductible before receiving a payment and they may disqualify certain things from storage insurance. Your insurer might also impose limits on the total amount of coverage.

A typical storage insurance policy covers losses for events outside of your immediate control. These include:

  • Vandalism
  • Heavy wind
  • Lightning
  • Hurricanes
  • Tornadoes
  • Smoke damage
  • Fire
  • Theft
  • Plumbing leaks
  • Explosions

Since many policies don’t cover damages such as rodent damage and mold, you should take steps to prevent these things from happening. Keeping moisture to a minimum and choosing a climate-controlled unit are two ideal ways to go about this.

If your homeowner’s or renter’s policy doesn’t offer the option of storage insurance, Big Tex Self Storage can provide you with contact information for local companies that offer it. You can also search online for storage insurance providers. Coverage is typically inexpensive, at up to $2 for every $100 worth of coverage provided. Between our security, your diligence, and a storage insurance policy, you can place your items with Big Tex Self Storage and not have to worry about losing them.

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