Insurance. For the most part, we all are loath to address this topic. The first thing that comes to mind is a greedy company taking your money for nothing in return. Of course, when something unexpected does occur and your possessions are destroyed by fire, natural disaster or other events beyond your control, it certainly is reassuring to know that you will be compensated in full for loss or damage.
Simply Self Storage offers insurance coverage at each one of the hundreds of facilities nationwide. Prices will vary depending on location, size of the storage unit and property value. But, for the nominal cost of these policies, most people find that the peace of mind that storage insurance renders is alone worth the cost. Before shopping for outside insurance coverage, it makes sense to contact the nearest Simply Self Storage facility and get a price directly from them.
Before you buy insurance, it will be helpful to know what types of occurrences are typically covered by these policies. For the most part, expect that you would be protected from loss or damage due to fire, earthquake, tornado, hurricane, lightening, wind, structural building failure, leaking water, burglary and vandalism. Since most of these policies do not insure you against flood or surface water, it makes sense to be sure the facility is not in a flood-prone location.
Here is a list of items typically not covered:
• Financial records
• Currency, deeds and securities
• Jewelry and precious stones
• Fur garments
• Antiques and works of art
• Motorized Vehicle coverage of any sort
For the most part, those should not be issues. The first three items are easily protected by a safe deposit box and the others should be individually covered with homeowner’s or vehicle policies. And, you will often find that your homeowner’s policy covers some or all possessions that are stored remotely from the insured location. By all means contact your insurance company first to determine what level of coverage you already carry. You can then supplement it with an add-on policy from Simply Self Storage or any other of a myriad of companies offering such coverage.
Other considerations are the individual laws within your state. Some states make self storage insurance mandatory. When you contact a Simply Self Storage agent, he or she will be able to inform you about those law