Finding the right self-storage insurance is just as important as your self-storage unit. While we never want our items damaged during storage, accidents will happen. Being prepared in the event they do is a great way to safeguard your items.
You have a plethora of self-storage options available to you. You understand your self-storage insurance isn’t a one-size-fits-all solution, but what do you do next?
You want options for insurance that fit your unique needs and budget. Here are six factors to consider when choosing your storage insurance provider.
1. Is Bundling Self-Storage Insurance an Option?
Check with your current insurance provider. They may offer insurance for storage you hadn’t considered. The option to bundle might save a chunk of change in the long run.
Ask if bundling your current car insurance with self-storage insurance is an option. If so, you can save money and continue to put the extra money back for a later date.
2. Are You Able to Read Into the Details?
Look closely into the insurance terms and conditions. The storage unit insurance might start out at an extremely enticing price. Be diligent when reviewing the conditions. The temping five-dollar monthly charge might only cover the basics.
Do you have jewelry or other specific items? Confirm the monthly cost you’re paying covers all the items you have in storage. Examining the policy guarantees the protection of your property.
3. Research the Company’s Image
Before you make the jump and decide on the first company that comes along, look into their reputation. What are their current customers saying? Are they satisfied with their current situation?
Once you start the research, you’ll know right away if you’re choosing the right company for your need.
4. Ask Questions
Do they have an in-house team of licensed insurance professionals? What have they done in the past when a disaster struck? What did they take away from that experience to make the situations better?
Asking hard-hitting questions shows you are serious about your needs. It also shows they should show up and provide for you. Their answers help you quickly recognize if you’ve made the right choice.
5. Appraise Your Items Before Storage
Insurance policies have a limit on the amount covered. Knowing the value of your items before they are in a storage unit is a great idea. You’ll know the exact amount and what policy fits your needs based on coverage.
Even providing a general estimate of items is better than not knowing. For a general idea on storage insurance, check out this link and get insured here.
6. Photograph All Items Going Into Storage
Photographing each item before it is in storage is a wonderful way for you to keep track of the item’s condition. This will also go well with appraised values you need for future reference.
If any sentimental items end up damaged while in storage, you have a record of it and a keepsake.
Preparation Is Key to Success
We can’t always plan for a natural disaster or theft, but we can be prepared when it does happen. Self-storage insurance is a great way to do so.
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