An insurance unit is a surefire way to provide peace of mind for your stored items in a rented storage unit. As such, some storage units do not require their tenants to get insurance coverage even if their goods are of high value. However, this only applies to some storage units. Insurance coverage is required per the lease agreement for most storage units in Queens, NY.
Why Do You Need Insurance For Your Storage Unit?
As the saying goes, it is better to be safe than sorry. Things can sometimes turn out wrong unexpectedly. Insurance’s responsibility is to protect you against any risks that include but are not limited to theft and infernos. This is why most storage units Queens NY, will only allow you to rent with insurance coverage.
What Is Covered By Storage Unit Insurance?
Insurance coverage varies from store to store. To that end, it is imperative to ask for the details, but here are several risks that are usually covered:
- Vandalism
- Theft
- Smoke
- Riots
- Explosion
- Inferno or lightning
What Is Not Covered?
Standard policies state that floods and earthquakes are usually not covered. However, you can purchase extra insurance for such disasters, especially if you come from an area prone to natural disasters. Sometimes, it only makes sense to be proactive because most storage companies never ask their customers about additional insurance covers to cover natural disasters.
Storage Unit Insurance Options
The options for storage unit insurance typically boil down to three choices. First, you can add off-site coverage to your homeowner’s insurance policy. You can opt for another insurance policy if you find it steep or capped at a level likely not to cover your exposure.
You can also pay the storage unit company for the storage of your commodities and subsequently insure them. This undertaking is possible if the storage unit company offers in-house insurance. In other instances, the company can link you with another company for any of your insurance needs. This happens when the locker facility does not offer in-house insurance.
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How Do You Get Storage Unit Insurance?
Should you need storage unit insurance, spending your time looking for a reliable policy is worthwhile. You can start the process by talking to your current insurance provider, with whom you most likely have a favorable business relationship. You are also likely to receive a discount.
Nevertheless, consider getting storage insurance from other companies or storage facilities if you want to avoid adding coverage to your current policy. Ultimately ensure that the insurance coverage is affordable, adequate, and not sketchy.
Store Your Belongings With A Reliable Storage Unit
It is of the utmost importance to be on the lookout when seeking the services of a self-storage unit. If you are looking for reliable storage units in Queens, NY, ensure that they keep your commodities safe so that you never have to file an insurance claim. Also, check whether the unit has in-house insurance coverage, essential security, and climate control features.