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Why Is Insurance Important When Renting a Storage Unit?

 Storage units are extremely handy when moving, downsizing, or housing extra belongings that are taking up too much space in your home. People often use self-storage units to store valuable items that are too precious to let go of but not practical to have around on a daily basis.

 If you’re going through all the trouble of finding a self-storage company, hiring movers to help you transfer your belongings and paying the monthly rental fees for a unit, you want to make sure your items are protected. When you sign up to rent a self-storage unit, you may be offered the option to purchase insurance. Here’s why you should strongly consider adding it to your rental package:
 
  1. Home insurance doesn’t cover storage units
 
Some people think their home contents insurance will cover their belongings in a self-storage unit, but this usually isn’t the case. An insurance company will claim responsibility for items you have on your home property, but once you store them remotely, insurers have no stake in them anymore. 
 
Some home insurance companies will offer 90 days of coverage on items stored outside the home. This would apply to self-storage units, meaning you don’t need to take out extra contents insurance if you’re only renting a unit for three months. If you’re renting for longer than that, then you should consider a separate insurance policy for your storage unit items. 
 
If you’re renting a storage container and keeping it on your property (for example, putting it on your driveway to hold materials during home renovations), this is covered by home insurance. This is because the unit is at your actual home instead of being remote.
 
  1. You’ve gone through all the trouble
 
You’re investing a lot of time, money, and energy in taking your items to a self-storage unit. Insurance protects this investment and gives you confidence that it’s not for nothing should an emergency take place. 
 
There’s no worse feeling than working hard and putting energy into something, only to have it all wiped away. Whether it’s carefully arranging furniture in your living room only to find out it’s the wrong setup, it’s a tough pill to swallow to have to go back to the start. If anything happens to your belongings while in a self-storage unit, then you don’t even have that option. Insurance prevents you from being left with nothing should the worst happen. 
 
  1. The responsibility is on the renter
 
Many people who rent a self-storage unit assume the storage company is responsible for the safety and condition of their items. After all, they’re paying monthly rent to keep their items stored. They’re shocked to find out that many self-storage companies don’t include content insurance in their fees.
 
If you’re looking for a self-storage company and are chatting with a sales representative, they should impress upon you what your liabilities are and what options for coverage are offered. A good self-storage company will go the distance to make sure their customers are fully informed on what they’re agreeing to. 
 
  1. Add insurance through your storage provider

 
You can either take out insurance for your self-storage unit through an insurance broker or the self-storage facility itself. It’s generally cheaper and easier to purchase insurance through the facility. They most likely have a pre-existing agreement in place with their own insurance brokerage that favours volume. This means insurance will be cheaper for you, the purchaser. 
 
You’ll also be able to add on insurance as a value-add option while taking out your unit, negating the need to call up a brokerage on a separate occasion. The storage facility will also have your insurance information directly on file, making it easier to bring up if needed. 
 
When looking for a self-storage facility to entrust with your belongings, go through a checklist to see if they offer necessary features:
 
  • 24/7 security, preferably with a gated driveway
  • Climate control in each unit to prevent mildew and degradation
  • Concierge staff to check in each visitor
  • Positive renter reviews
  • Location - is it a feasible distance from where you live?
  • Accessibility - can you enter and check in on your unit round the clock?
  • Building cleanliness and maintenance
 
Self-storage facilities can be a lifesaver when you’re moving, dealing with an inheritance, or simply have too much stuff at your home. Good storage units give you convenience and peace of mind, knowing that your belongings are well protected in an ideal environment to prevent mould, flooding, or damage. Enhancing that peace of mind with insurance makes sense. 
 
If you’re taking out a storage unit, you clearly care about what you’re storing and want to see it protected. Home insurance won’t cover what you store in a self-storage unit, so inquire about contents insurance policies for your belongings being stored remotely. 
 
Abacus Self Storage is conveniently located in Richmond Hill and offers premium units for all your storage needs. Call (289) 807-1033 or visit our contact us here to learn more about our services.
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Client Testimonials

  • I have used Abacus twice in the last 5 years. Terrific service, good rates, exceptionally clean. If I need to use a self storage facility again in the future these are the people I would go to.

    Louise K
  • 04-30-2013-just rented a storage locker from Abacus Self Storage. They are well organized , courteous, well organized and efficient. The locker is spotlessly clean and I am very pleased with the experience. They provide a lock and also had a special on the space rental on the second floor where I paid...

    Elyse Pomeranz
  • I found this storage facility to be immaculate. The staff is very professional and friendly. Jane, who is the manager her pleasant personality made the stressful event seem effortless. The owner takes very good care of the facility, the storage units are extremely clean and spacious, there prices...

  • September 10, 2012. Abacus Self Storage staff have been very helpful, friendly and accessibe. The facility is clean, bright and ideal. I definitely recommend it.

    Janine
  • September 12, 2012. I have never seen a storage facility so clean. The unit is dust free. I can`t believe how clean the property is. Please tell the owner how impressed I am .

    Danny
  • August 31, 2012. As a customer of many years, I commend Abacus for clean, well-lit and maintained, secure premises with huge carts now for ease of moving items. Customer Service, under Jane`s managment, is efficient and friendly. In fact. I consider the team as friends.

    Carol
  • Cleanest seft storage I`ve seen I have used self-storage places 3 times in Canada and I was very impressed on how clean is this place. Other pros: Good location (convinient for me :), very friendly staff, and good price. I do recommend this place. 2011-08-03

  • August 27, 2012. The Team at Abacus is professional, very helpful and courteous-always giving a little bit extra and doing a little bit more that what is asked. The facilities are well-run, clean and secure. I highly recommend them.

    Susan
  • August 23, 2012. I have been a client of Abacus for over two years, and can recommend their services. Jane and her team are always pleasant and helpful, and the premises are clean and secure. In short, an enjoyable experience!

    Barry
  • 04-17-2014-My girlfriend and I are moving into a new place together and we had to find a secure, affordalble and  convenient storage facility to store our belongings, while we are transitioning to a new apartment. Jane made us feel extremely confident that we were choosing the right place. She helped...

    Scott and Ola, Scottola
  • September 1, 2012. From my first call and enquiry, it has always been a pleasure dealing with the staff at Abacus Self Storage, where they provide outstanding customer service.

    Cathy
  • We have been with Abacus for a few years and we have never had a problem. The place is always clean, tidy and well kept, they are very nice to deal with and have great customer service. They look out for the customer and we like that. We highly recommend Abacus to anyone looking for storage, and...

  • August 25, 2012. I was amazed at how organized everything was at Abacus, and Jane`s service was exceptional!! Our locker was totally in order and well lit. the gates and doors work....everything went without a hitch! What a joy to work with a company that really knows their business, and cares...

    Glen
  • thank you for all your help, you are great great to do bussiness with you thank you

    Maria Paheco
  • Thank you so much for excellent services. I like the way how the renting storage is organized. It is easy and fast. The customer service is so good!!! People at the front desk are very friendly and helpful at all given time. Thanks again. Galyna

    Galyna
  • Hi guys, I just recently rented a 10x10 storage unit from you guys and decided to write a review. When I first walked into the office, I was impressed how organized it looked, it was not like the other storage companies I previously visited. It was cleaned, smelled nice and most importantly I was greeted...

    Behzad
  • We are very happy with storage location, facility is alway`s clean and accessible. Anna S

    Anna S
  • November 21, 2011. Nice clean premises. Staff have been very helpful!

    Bruce
  • September 13, 2012. Walking into the office, I knew this was the place I wanted to store our belongings. Jane was so helpful and accommodating. The place was very clean and well laid out for moving and manouevering your way around. I know I found the place when I walked into Abacus.

    Tita
  • November 14, 2011. We have been entirely pleased with Abacus` service and pleasant and professional policies.  They are very quick to respond to inquires and do their best so that our experience utilizing their storge facility is pain and stress free. Thank you.

    Adriana
  • I,ve been with you for a decade now and am glad to say how pleased I am with the high calibre of your personnel. Specifically, Jane`s ever friendly, courteous, helpful nature make my visits a joy. She takes genuine interest in us and I send my appreciation. Also, David goes out of his way to assist...

  • August 24, 2012. Very happy with service.

    Marlene
  • September 1, 2012. Abacus Self Storage was recommended to me from clients I had sold a home to several years ago. I have found Jane and all the staff to be unbelievably kind to me as well as patient and understanding. I will always recommend this storage facility to anyone I know. I thank everyone there...

    Morrissa
  • August 26, 2012. Friendly and helpful staff. clean and professional facility! A truly great place to store things! Highly recommended!

    Elmira and Brian
  • Satisfied on cleanleness, location, efficient management and reasonable priced.

    Raymond Tam
  • Dear owner, Your site manager Jane is great! Jim C.

  • Hi there, this messge is for Jane, I just wanted to leave a thank you. Holly was just wonderful, she is professional and she is helpful and it was really kind of her to help me sign in yesterday. I just wanted to let Jane know that Holly is a wonderful resource person and I`ll see you guys later. Bye...

  • Great customer service at the Richmond Hill location! We`ve had a storage locker here for just over a year, and the facility is always clean and well-lit. Extremely well-maintained and the staff are super-friendly! :) They even went so far as to help us find an alternate supplier of packing peanuts when...

    Pete
  • I just wanted to drop a quick not to say how much of a pleasant experience it was to reserve our unit and how easy it is to use. At a very stressfull time ( with moving) it`s great to have something go so smoothly.

    Jeff Dunning
  • August 30, 2012. Very clean unit. Great security system. Wonderful organization.

    Faranita
  • April 2013-Very knowledgeable and helpful staff. One stop shop to buy all packing and moving supplies. Very clean, bright and secure storage facility, that can be easily accessed. Would highly recommend to anyone looking for a storage facility!

    Jodi M
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