Do You Need Insurance for Your Storage Unit?
At Bolt Storage, we prioritize keeping your belongings safe, and part of that commitment includes requiring insurance to add an extra layer of protection. Whether you’re storing for the short or long term, insurance is a reliable safeguard for life’s “just in case” moments, ensuring that your items have coverage in case of unexpected damage. Here’s a closer look at how storage unit insurance works, what it covers, and why it’s important to protect your belongings.
What Is Storage Unit Insurance?
Storage unit insurance, like our recommended protection plan, covers your belongings from various risks while they’re stored off-site. Though our facilities are secure, having insurance in place protects you in case of incidents like fire, theft, or water damage. While insurance isn’t legally required to rent storage, Bolt Storage requires it to ensure you have peace of mind and a financial backup.
Coverage with Our Recommended Protection Plan
The protection plan we recommend covers losses due to:
- Burglary (requires evidence of forced entry and a police report)
- Building Collapse (including weight of snow, ice, or windstorms)
- Damage to Stored Vehicles, Boats, or Trailers
- Fire
- Water Damage (including mold and mildew, but excludes flood/surface water)
- Rodent and Vermin Damage
- Vandalism
This plan also includes coverage for risks related to the store owner’s negligence, in compliance with the New York Department of Financial Services. Keep in mind that certain claim types, like building collapse or mold damage, may have coverage limits, so it’s important to contact us for specific details if you have questions about limits.
What Isn’t Covered?
Certain items and incidents are excluded from coverage under the protection plan. Items like cash, antiques, jewelry, firearms, furs, and valuable papers are excluded. Additionally, the plan does not cover losses due to flood or surface water or instances of mysterious disappearance. To avoid any surprises, make sure to avoid storing excluded items and follow best practices to protect your belongings.
Tips for Protecting Your Stored Belongings
We encourage all customers to take a few extra steps to ensure their belongings stay in great condition. Consider the following tips for storing your items:
- Inventory and Photograph Your Items: A record of what you’re storing helps make the claims process easier, if needed.
- Use Protective Covers: Covering items with plastic sheeting or drop cloths can add protection from dust and moisture.
- Elevate Your Boxes: Place boxes on pallets or 2x4s to keep them off the ground and away from potential water.
- Choose the Right Lock: Always use a cylinder or disc lock for added security—plus, burglary deductibles are waived when using these types of locks.
- Secure Electronics in the Back: Placing delicate or valuable items toward the rear of your unit offers an added layer of security.
Choosing a Plan That Fits Your Needs
When considering a plan, check if your homeowners or renters insurance offers off-site coverage, as some policies do. Alternatively, our in-house protection plan is designed to cover common risks at an affordable monthly rate. All levels of protection have a $100 per-claim deductible (waived for burglary claims when you use a cylinder or disc lock). We’re here to help you select the best coverage to ensure your items are protected.
States Where Bolt Storage Operates
With locations across Florida, Georgia, Pennsylvania, New York, Ohio, Indiana, Connecticut, Illinois, North Carolina, Virginia, and Mississippi, Bolt Storage has the perfect storage unit waiting for you. Wherever you are, we’re committed to providing safe, affordable storage solutions with flexible protection options tailored to your needs.
Ready to Rent a Storage Unit?
At Bolt Storage, we make it easy to find a secure, convenient storage unit that fits your needs. With our comprehensive protection plans, you can have peace of mind knowing your belongings are covered. Explore our locations, check out available units, and get started today—your perfect storage unit is just a click away!
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