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Old 03-24-2016, 08:49 AM   #1
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Insurance for storage unit stuff

Just sold our house and moved everything into a storage unit and we moved into the rv. I would like to insure everything in the storage unit for replacement value, but I'm having a hard time finding a company to do this. Does anyone know of an insurance company that will insure the contents of a storage unit for replacement value or how have others handled this?
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Old 03-24-2016, 09:54 AM   #2
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The storage unit I have is from a company that insisted that I had to have insurance until I insisted that I would go elsewhere. You could choose the dollar amount and it was added to the monthly rent. I would start by asking the company you use if they provide it and if not, who does. It seems they ought to know these things.
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Old 03-24-2016, 11:52 AM   #3
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We had to "rent" a room from our daughter and get renters insurance that also covered our storage unit.

The insurance offered by the storage rental company was very expensive and didn't cover much - the limits were too low also.
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Old 03-28-2016, 09:16 AM   #4
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good question -
why would your property coverage on your Motorcoach policy not already cover it?

my full-time motorcoach policy covers all 'personal property away from the vehicle' as long as it meets a 'commercial storage facility', or similar requirement, definition.


and another article about this...
http://www.bankrate.com/finance/insu...n-storage.aspx
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Old 03-28-2016, 10:29 AM   #5
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Quote:
Originally Posted by MisterT View Post
good question -
why would your property coverage on your Motorcoach policy not already cover it?

my full-time motorcoach policy covers all 'personal property away from the vehicle' as long as it meets a 'commercial storage facility', or similar requirement, definition.


and another article about this...
Insurance For Your Stuff Placed In Storage | Bankrate.com
The policy with Progressive I got when we started full timing did not cover it nor did the GMAC policy we got a few years later. Maybe that has changed - be nice if it has. One thing that may have been be a factor was that we needed 50,000 in coverage.
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Old 03-29-2016, 07:52 AM   #6
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... several years ago I had an insurance customer who went full time and wanted to know how they would cover their stored furniture from their recent home sale. While I did not have an insurance company at the time who provided this type of additional coverage, I suggested that they purchase the coverage that the storage facility offered - it was their only option at the time.
... of course, that was the only suggestion that I could offer through my agency, but any customer can obviously check with the many other carriers that offer RV policies to see if it is an option, or is included automatically in a full-timer policy. Most of us don't really like to have to go to that trouble, though, but with a specialty policy for a motorhome, it's really the best option.
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Old 03-29-2016, 04:03 PM   #7
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All I can say is get it. About 5 years ago the moron in the units behind ours decided to torch his to get even with the ex. Of course about 8 innocent people got pulled into the mess and we were the only ones with insurance. On that note we made good money on stuff we didn't replace and the moron went to prison for 10 years.

The people next to us had just put everything in so they could redo the interior of their home but didn't have the policy long enough for it to be effective like less than 24 hours. They had to sue the moron and he had to sue their insurance company. we just walked away.
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