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Many people find themselves with more belongings than they have room for. Storage units offer a convenient place to store these items when they’re not being used. However, storage unit renters should consider storage unit insurance to keep their items protected. Clifton Rt. 46 Storage is a family-owned business providing storage services in Clifton, New Jersey. Here, our team helps you better understand insurance policies for storage units and why getting one might be right for you.

What Is Storage Unit Insurance?

While people are often aware of insurance policies for homes and businesses, they may not be as familiar with similar policies for personal property stored at other locations, such as rental storage units. While many standard home and renters’ insurance policies cover a percentage of the possessions stored in these units, they don’t protect against everything. They may cover theft, vandalism, or damage due to severe weather, but are unlikely to cover other issues such as damage due to pests, mold, and mildew buildup. They also may not cover flooding, which requires separate flood insurance.

Since many people rent storage units to safely store expensive items or items with personal value, storage unit insurance policies are available. Insurance policies for storage units provide renters with peace of mind, knowing that more of their belongings are protected. These policies are specifically designed with storage units in mind, and many storage facilities require renters to have these insurance policies. They are offered either through specialty insurers or by the storage companies themselves.

Are There Different Policy Options?

As with other insurance policies, storage unit insurance comes in various options to suit different needs. They include:

Named Peril Policies

Named peril policies are designed to cover some of the most common causes of damage. These policies may cover loss due to fires, lightning strikes, explosions, smoke, falling objects, and others. However, this coverage will only apply to damage due to the perils listed within the specific policy, so it’s important to consider these before signing. They are a smart choice for those looking to customize their coverage.

All-Risk Policies

If you want more comprehensive coverage, all-risk policies may be right for you. These policies, also known as open-peril policies, help protect against a wider range of issues. While they may have a small number of exclusions, they typically cover nearly any problem that comes up.

When getting a storage unit insurance policy, it’s important to maintain a detailed inventory of your stored items, including taking pictures and videos. This will help if you need to file a claim.

How We Help Protect Your Things at Clifton Rt. 46 Storage

At Clifton Rt. 46 Storage, we understand how important it is for our customers to feel that their belongings are safe and secure when in storage. That’s why we are proud to offer advantages like digital video surveillance and individual access codes, which help prevent unwanted and unauthorized access to your unit. Our secure location features a fully fenced-in storage area and bright lighting, allowing renters to access their units safely day or night.

We also have drive-up units for convenient access and different sized units to fit various storage needs and budgets. While we have implemented several security features and policies, we also recommend storage unit insurance for those who keep valuable or fragile items in their units. This helps provide peace of mind that your belongings are covered. If you are interested in renting a unit or want recommendations for storage unit insurance, contact us today.