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Destin, FL Self Storage Tips

Storage Insurance

It is often assumed that self storage facilities will automatically provide insurance for the items being placed into storage. This is not the case in Florida. We will offer you full or comprehensive item insurance when you come in to rent.  It is optional and you will contract directly with the insurance company. Check with your homeowners or renters insurance agent to see if your property in secure storage is covered.

It is recommended that you check your insurance options carefully before signing your storage rental agreement and placing your items into self storage. In fact, your first step should be to contact your homeowner/renter insurance agent to see if the items placed in the self storage facility will be covered by your current policy. It may be that you are fully covered for items stored away from home or you may be able to pay an additional premium to get such coverage. This option should be much cheaper than taking out a separate insurance policy. If you do provide your own insurance coverage, be aware that the self storage facility you choose may ask to see proof of your policy before renting you space.

Should you purchase insurance? Ask yourself these questions:

  • Are my items already covered under my current insurance policy? This would include vehicles and boats as well as household items.
  • Does the self storage facility offer any type of coverage?
  • If an accident occurs and the facility is at fault, will your items be covered?
  • If a natural disaster occurs, will your items be covered?
  • Has the self storage facility had many claims made by other renters?
  • Be sure to keep a detailed list of what is in your self storage unit and its value.  Will the policy need to be updated each time an item is added or removed from storage? 
  • Are the items being stored of high monetary or sentimental value? If so, it may be worth the extra cost to have specific insurance for those items.
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