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Old 04-06-2014, 06:11 PM   #1
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Insurance for storage facility

After 4 yrs of pretending to be full timers, we finally have a contract on our house. We have some items, mostly family heirlooms we intend to store until we cease to full time. I've been trying to find a reasonable co. to purchase ins. from for the items in storage. No luck since we no longer have a S/B residence. The storage facility has ins. at $ 38/mo. per $10K which I think is excessive. Looking for feedback from others who have run into this.
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Old 04-06-2014, 06:37 PM   #2
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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.
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Old 04-06-2014, 07:06 PM   #3
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For us, the question wasn't so much 'do we have $x worth of stuff' but more of 'how much would it cost us to replace all of this stuff if it got destroyed?' Here in tornado alley, we think if anything ever happened to our storage unit, it would probably be the result of a tornado. Since I used to be a line tech in a service department, I have a full set of automotive tools that would be very costly to replace. We got $20,000 worth of property insurance through USAA (same place we get our car insurance) for less than $18 a month. I would suggest seeing what the rates would be through the same company you get your other insurance (like your car) from. Maybe you could get a discount for bundling? We sleep well at night knowing we have insurance if the worst case scenario happens!
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Old 04-06-2014, 07:34 PM   #4
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Sorry I cant give any specific company suggestions.

After the record setting winter we have experienced in Michigan there are a bunch of people here that wish they had more insurance on their stored items. Several storage units had roofs fail with snow loads. Antique cars smashed (including Corvettes) boats, motorhomes with crushed roofs etc.
Another forum post included photos of a Tampa Fla storage completely burned.

I have seen online ads for Storage insurance, never priced any.
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insurance, storage

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