I cannot answer the insurance questions and the stuff I have in storage is uninsured and I hope like the dickens it is all gone next time I check.
Most storage units I have dealt with have minimal exposure to risk. How much actual loss would you sustain aside from being emotional over loosing family heirlooms. Even if you had insurance they cannot replace memories and feelings, just stuff. If these items were not heirlooms would you store them or get rid of them? Do you really have 10 grand worth of stuff, you would be unusual if you did? Old is old unless it has been appraised and agreed to by an insurance company.
I do all my own stunts
03 Dolphin LX 6355, Workhorse W22, 8.1 vortec, 04 CR-V, Blue Ox, Brake Pro----Norm, Barb and
Doc(He's a PhD)