Why Self Storage Insurance Beats Traditional Homeowners or Renters Insurance
Aaron Caudell
December 11th, 2025
Why Self Storage Insurance Beats Traditional Homeowners or Renters Insurance
When you place your belongings in a self storage unit, you expect them to be safe, secure, and protected. But here’s the truth: traditional homeowners or renters insurance often falls short when it comes to covering items stored off-site. That’s where specialized self storage insurance comes in—and it’s designed with your unique needs in mind.
🔑 Key Advantages of Self Storage Insurance
1. Zero Deductible with a Disc Lock
Unlike homeowners or renters insurance, which often comes with steep deductibles, our policy rewards tenants who use a disc lock. If you’re using one, your deductible is $0. That means if something happens, you won’t be stuck paying out-of-pocket before coverage kicks in.
2. Coverage Against Pests and Rodents
Most traditional policies exclude damage caused by infestations. Our self storage insurance recognizes the reality of storage facilities and covers pest and rodent damage—giving you peace of mind that your items won’t be ruined by unexpected critters.
3. Protection from Water Intrusion
Water damage is one of the most common risks in storage. While homeowners insurance may only cover certain types of water damage, our policy covers intrusion from above or below. Whether it’s a roof leak or groundwater seepage, your belongings are protected.
4. Mold and Mildew Coverage
Traditional insurance policies rarely cover mold and mildew, leaving you vulnerable to costly losses. Our self storage insurance includes coverage for mold and mildew, ensuring your items are safeguarded against these hidden threats.
5. Transportation Coverage Within 100 Miles
Moving items to and from storage can be risky. That’s why our policy goes beyond the unit itself—we cover transportation of your stored items within a 100-mile radius of the facility. Whether you’re relocating or simply reorganizing, your belongings stay protected.
6. Theft Protection
Perhaps the most important safeguard: we cover theft of your stored items. While homeowners or renters insurance may limit or exclude theft outside your residence, our policy ensures your belongings are protected inside the facility.
🏆 Why This Matters
Homeowners and renters insurance are designed for your primary residence, not for storage facilities. By choosing self storage insurance, you’re getting specialized protection tailored to the realities of storage—from pests to water damage to moving risks.With features like a $0 deductible, expanded coverage, and transportation protection, self storage insurance isn’t just better—it’s smarter.