Home Insurance

Does Homeowners Insurance Cover Storage Units?

Let’s dive straight into an important topic today – homeowners insurance. The question we’ll be examining is– does homeowners insurance cover storage units?

In layman’s terms, homeowners insurance is a type of property insurance that covers losses and damages to an individual’s house and assets in the home. Homeowners insurance, as the name suggests, covers a person’s home. But what does it entail?

What Does Homeowners Insurance Cover?

Typical Inclusions

A typical policy will cover the structure of the house, personal belongings, liability for injuries that occur on the property, and sometimes even living expenses if you can’t live in the house due to damage.

Typical Exclusions

However, not everything is covered. Events like floods, earthquakes, or poor maintenance are usually not included.

Connecting Homeowners Insurance and Storage Units

Now that we have a basic understanding of homeowners insurance let’s connect the dots to storage units. Does your policy cover items you have in storage?

Does Homeowners Insurance Cover Storage Units?

Extent of Coverage

The short answer is yes, to an extent. Many policies will cover personal belongings stored off-site; if these items are in a storage unit, they could be covered too.

Common Misconceptions

This doesn’t mean everything in your storage unit is automatically covered fully. Coverage for off-site items is typically limited to a percentage of the total personal property coverage.

Factors Influencing Coverage of Storage Units

Location of the Storage Unit

The location of the storage unit can influence whether your homeowners’ insurance extends to it.

Type of Items Stored

The type of items stored is also important. Expensive or high-value items may require additional coverage.

How to Ensure Your Storage Unit is Covered

Additional Insurance Options

One way to ensure full coverage is to look into additional insurance for storage units.

Communication with Insurance Provider

Or, have a detailed conversation with your insurance provider to understand what is and isn’t covered.

When Homeowners Insurance Covered Storage Units

For instance, imagine your storage unit getting damaged in a fire. Your homeowners’ insurance may cover this.

What is not covered?

There are instances, however, when your homeowners’ insurance might not provide adequate coverage. For instance, consider a scenario where you have an antique collection stored in your unit. If a disaster strikes and these valuable items are damaged, your standard homeowners’ policy may not provide sufficient coverage. 

These policies often have limited provisions for high-value items, making the coverage inadequate for replacing such unique, often irreplaceable, assets. This is why it’s crucial to understand your policy’s details or consider additional coverage for such valuable items.

Precautions to take

Taking precautions with your homeowners’ insurance is crucial. Understand your policy in depth, be aware of what it covers, and don’t shy away from questioning ambiguities. Assess the value of off-site stored items and consider additional coverage if needed. Maintain open communication with your provider to ensure your coverage is always up-to-date and comprehensive.


1. Does homeowners insurance cover all storage units? 

No, it depends on the terms of your specific policy.

2. How can I ensure my storage unit is fully covered? 

You may need to purchase additional insurance or a policy add-on.

3. What type of items might not be covered in my storage unit? 

High-value items, such as jewelry or antiques, may not be fully covered.

4. Does the location of my storage unit affect my coverage? 

Yes, in some cases the location of the storage unit can affect coverage.

5. Are all damages to items in my storage unit covered? 

No, certain types of damage may not be covered, like those due to floods or poor maintenance.


In conclusion, homeowners insurance often provides coverage for items in storage units, but the degree of this coverage can widely differ. It is paramount to carefully review your policy, ask questions, and understand all the nuanced details. This proactive approach will safeguard your interests and ensure proper protection for your valuable assets.

Find out more about dwelling insurance and how it can make you a better homeowner by reading through our blogs at Security Forward.

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