Can I Rent a Storage Unit Without Insurance?

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February 12th, 2021

You may need a storage unit while navigating a life transition, clearing space during spring cleaning, or finding a secure place for seasonal decor. If your belongings will remain stored for several months, choosing the best long-term storage solution also means considering unit features, packing methods, and insurance coverage. Before renting, check if your local facility requires tenant insurance.

Why You Should Have Self Storage Tenant Insurance

Tenant insurance, homeowners’ insurance, or renters’ insurance may all suffice—but policies differ by company, so make sure you know what your insurance will cover before committing. A strong argument for having insurance is the peace of mind and the financial protection from unforeseen events. Your insurance may reimburse you for your losses.

For example, in the event of exceptionally powerful weather such as a tornado or flood, insurance would cover any loss. Alternatively, though self storage units tend to have strong security precautions, you can never be too safe in the event of a burglary. These and similar circumstances are why a stipulation in your insurance coverage is important, clarifying that your insurance company will compensate for any losses.

Many Storage Facilities Require It

Much in the same way nearly all apartment complexes require evidence of renters’ or homeowners’ insurance before they’ll agree to a lease, there’s something on the line for the self storage facility as well. Because of this, they are legally allowed to deny you access to their units if you don’t have insurance with adequate coverage.It’s possible your existing insurance already has coverage for storage units, so either look over your insurance paperwork or give them a call to talk to an agent who can confirm the limits of your insurance policy.

Ensure You’re Insured Before Renting a Storage Unit

To ensure you have exactly what you need in terms of your storage unit’s insurance, a facility will sometimes include an insurance selection of its own. The tenant insurance program offered by National Storage is designed to protect you from all possibilities mentioned above, however unlikely, and is the fast ticket to more peace of mind around storing your belongings.

Serving cities across Michigan and some Ohio areas, our self storage facilities support our tenants’ varied needs with high-quality units and features alongside the best customer service in town. If you’re seeking more space for household items, seasonal equipment, or even a vehicle, find a location near you to rent or reserve your storage unit online today.Not sure how to get started with renting a storage unit?

Not sure how to get started with renting a storage unit? A few practical tips for first-time storage renters can help you prepare your belongings, compare unit sizes, and understand what to expect on move-in day. The Ultimate Self Storage Guide also breaks down the rental process into simple, easy-to-follow steps. It explains how to choose a unit size, identify useful features, understand pricing, and make the most of your available space.