While getting insurance for your storage unit is not necessary for every storage company in Miami, we discuss below why you should get it anyway!
Can You Rent a Storage Unit Without Insurance?
You can rent a storage unit without storage or tenant insurance in most Miami storages. However, some facilities will require proof of tenant insurance if you wish to rent a unit on their campus. Moreover, there are many benefits of getting storage insurance that you must consider.
Why Should You Get Storage Unit Insurance?
Your storage unit insurance protects your personal belongings kept in a storage facility from potential damages. Moreover, it can be an excellent way to safeguard your valuables. All insurance policies are different and cover various conditions. Here are some-
Covered: Most storage unit insurance policies cover your belongings in the case of-
- Fire or lightning
- Civil commotion
- Windstorm or hail
Not covered: Your policy will determine what is covered or not under your storage unit insurance. Most standard policies do not cover your belongings in case of floods, earthquakes, and mudslides. It is preferred to get additional insurance for natural disasters if your location is prone to them. Remember, most facilities providing in-house insurance will not actively ask you for additional insurance, and you must be proactive about it.
What are Your Storage Unit Insurance Options?
The insurance type a storage facility requires can differ for each state and its regulations. Here are your three options for storage unit insurance-
The company’s insurance: Almost every self storage in Miami has in-house insurance available. You will pay them for the unit and the insurance.
Your personal insurance: Another option is to use your homeowner’s or renter’s insurance for your storage unit. However, talk to your agent if a storage unit is included in the coverage policy and what conditions are acceptable. You will be required to provide a copy of the policy when signing the contract with the storage facility.
Third-party insurance: If your storage facility does not have an in-house insurance facility, they will refer you to a third-party insurance company to protect your valuables.
About Xtra Storage Companies –
Are you looking for affordable and reliable public storage in Miami to store your clothing items and other accessories? Xtra Storage Companies is your one-stop destination! Our self-storage units are safe, affordable, and climate-controlled to maintain your articles in the best possible condition. We also have self-storage units of all sizes to meet your requirements. You can reach out to us by filling out our online contact form.