Irrespective of whether you are seeking storage facilities because you are relocating and need a temporary warehouse to move your things for a short duration of time or seeking some secure vacant space where you can store many valuable household items along with some official papers and documents, getting the right storage facility can be a daunting task for many. Storage facilities are one such aspect of life where you get what you pay for and can never be assured of complete mental peace if you do not plan and take some risk-reducing steps. For instance, if you hire one of the cheapest storage facilities, located in the shadiest part of the city and manned by dubious looking security guards, you might be putting your expensive china or that imported rug at risk of getting stolen or broken. On the other hand, if you spend a fortune and put all your life’s valuables including deeds, wills, powers of attorney, bank papers, jewels etc in one of the most sought after storage units fitted with the smartest security covers, one Katrina can bring all your dreams crashing down.

Probably the most feasible solution for buying peace of mind when you put your goods in a storage unit is to buy the right type of storage insurance. There are many reputed storage companies which sell insurance policies, but before jumping into a purchase decision, carefully check what you are getting in return and what are covered and what not, in this new insurance policy. Remember most self storage facilities have very stringent limitations, which keep the company immune from any burglary, or loss or damage to your property while in storage. Thus you need to be completely sure of every clause on that contract, before you sign. In case you feel that the safety of your goods is not satisfactorily covered by the contract, your only option is to buy special insurance coverage. Burglary, lightning, windstorm, hail, fire, smoke, earthquake, building collapse, explosion, vandalism, riot and water damage are some of the areas covered under self-storage insurance policies. Note that many storage insurance policies do not cover your goods for loss or damage caused by floods or tidal waves, etc. In case you live in a coastal belt and worried about a recurrence of Katrina, you could contact the National flood Program of the US government, which offer flood insurance.

 While choosing an insurance policy for your stored items, it might interest you to note the items which are usually not covered by any storage insurance policy, however high the premium and however extensive the coverage plan. Deeds, bills, currency notes, evidence of debt, securities, money, jewelry, watches, precious stones, furs, boats, vehicles and some official or business documents are never covered by any storage insurance.  As is evident, these are indeed the most valuable items a home can have. The suggestion that I would like to give is that all such items, which are refused or can not be covered by insurance and yet you want to store it, it is best to keep them in bank safe deposit lockers. Documents and jewelry and small family heirlooms can always be kept in the secure environment of a bank.

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