Do You Need Storage Insurance?

Quick answer: Yes, most storage facilities require insurance. And even if they don’t, it’s a smart way to cover your belongings against the unexpected. Storage insurance helps offset costs if something happens while your items are in storage.

What Is Storage Insurance?

Storage insurance is designed to protect everyday household items while they’re inside your unit. It typically covers things like clothing, furniture, and small appliances—not collectibles or valuables worth thousands of dollars. Think of it as a safety net that prevents you from paying out of pocket to replace belongings if something goes wrong.

Public Storage offers the Orange Door Storage Insurance Program, which is easy to add during the rental process. You can also check if your existing homeowner’s or renter’s policy includes off-site coverage, though limits may apply.

Why It’s Required

Most storage companies require proof of insurance before you move in. If you don’t already have coverage, they’ll usually offer a policy on-site. The requirement protects both you and the facility by ensuring belongings are covered against common risks.

Vehicle storage is a special case. Insurance is almost always required, either through your auto provider or a policy connected to the facility. (Reminder: Public Storage maintains no liability for loss or damage to vehicles. Stored vehicles must be drivable and roadworthy.)

What It Costs

The good news is storage insurance is affordable. Plans often cost between $10 and $40 per month, depending on your coverage level. That small monthly fee can save you money if something happens.

Pro tip: check your current policy before buying. You may already have partial coverage, in which case you can simply increase your limits instead of paying for a new policy.

Bottom Line

Storage insurance is required at most facilities and highly recommended at all of them. It’s an easy, inexpensive way to protect the belongings you’ve packed away. Whether you’re storing for a few months or a few years, insurance gives you peace of mind that you’re covered if the unexpected occurs.