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Is Insurance Included in Self Storage?

Ian Bird
  • Ian Bird
  • 27th March 2023
  • Renting Storage Space

Once you have decided that you need some extra storage space, you need to look at storage companies in the area and decide which features are important to you. One of these is insurance. 

It is really important that you do not assume it is automatically included. Some companies include insurance and some companies will sell you insurance. Be aware that there are companies that have no provision to insure your belonging whatsoever. This can be especially difficult if you are between properties and have no home insurance cover. 

Do you even need insurance? 

You need to decide how much your items mean to you and how valuable they are when considering insurance. Whatever security measures are in place, someone determined enough may be able to get around them. No one can promise you this won’t happen. How upset would you be if you lost everything? 

You should check and get it confirmed in writing to determine if your home or business policy already covers the things you are storing (there is a good chance it will not!). If you do not have our included £25,000 cover.

Compare like with like 

It is rare for a storage company to include insurance in their prices. Most companies will compete for your business by giving you the lowest possible price. With other providers you will have been drawn in by the headline rate, Then you will be told about the other charges. Sometimes a small amount of insurance is included. Make sure you find out how much you will need to pay for the extra insurance to fully cover your goods. Are there other charges for things like 24-hour access? Is VAT included? 

Once you are clear about what all the charges will be from each provider you speak to, you may need to do a bit of maths to work out what you’ll need to pay each week or month. They should be able work it out for you if you ask them nicely. 

Choose the best for you 

There will be other features for you to consider like distance to travel, opening hours and how easy it is to get you stuff into the storage unit. Once you know all these and know the full price of each facility, you can choose which storage facility is best for you. 

At The Space Program, our prices are transparent.  We provide you with one price which includes up to £25,000 insurance, a high-security padlock and 2 keys, 24/7 access.  There’s no hidden costs.  Just give us a ring, and we’ll be happy to help.