The Ultimate Guide to Storage Unit Insurance
When you’re storing your belongings away from home, storage insurance provides peace of mind by protecting your items from unexpected events like fire, theft, or severe weather. At Armored Self Storage in Easton, MD, we take the safety of your items seriously—and we go a step further by offering an affordable, reliable insurance option for extra protection: StorSmart Insurance.
Why Storage Insurance Matters
Even with secure storage facilities like ours, accidents can happen. Fires, storms, and other unforeseen events could cause damage, and without coverage, you may face out-of-pocket costs to replace your belongings. That’s where storage insurance comes in. It’s designed to offer a safety net, helping you recover financially if your stored items are damaged or stolen.
StorSmart Insurance = Extra Protection
We’ve partnered with StorSmart Insurance, one of the leading self-storage contents insurance providers in the industry. StorSmart offers simple, affordable protection tailored specifically for stored property. Whether you’re storing seasonal decorations, old family photos, or business inventory, StorSmart helps ensure you’re not left unprotected.
Customers can purchase anywhere from $2,000 to $20,000 in coverage, making it easy to match your policy to the value of your stored items. Backed by AIG and supported by over 40 years of experience in self-storage operations and insurance, StorSmart is a trusted option for tenants who want that extra layer of security.
If you have questions about specific coverage, you can reach out to StorSmart directly at 1-888-545-SMART or info@storsmartinsurance.com.
What Does Storage Insurance Typically Cover?
Most storage insurance policies, including StorSmart’s, provide protection against:
- Theft or burglary
- Fire damage
- Vandalism
- Natural disasters like hurricanes and windstorms
- Certain types of water damage
Coverage also includes contents protection, filling any gaps that might exist in a homeowner’s or renter’s policy, especially for items stored off-site.
What’s Not Covered?
As with any insurance, there are exclusions. Most policies won’t cover:
- Rodent or pest infestations
- Mold or mildew
- Flood damage (unless added separately)
- Damage without evidence of forced entry in theft cases
Reading your policy carefully ensures you’re aware of what’s included—and what’s not—so you can make informed decisions.
How to Choose the Right Coverage
Start by estimating the value of what you’re storing. Then, consider how long you’ll need coverage and how much risk you’re willing to absorb with a deductible. Comparing coverage options and reading customer reviews can also help you find a policy that fits your needs.
Storage Insurance vs. Other Options
Some homeowners and renters policies may offer limited off-premise protection, but storage-specific insurance like StorSmart is often more comprehensive and affordable for items kept in a self-storage unit.
The Cost of Coverage
Storage insurance is surprisingly budget-friendly. With monthly rates typically ranging from $8 to $38, depending on your coverage amount, it’s a small investment for significant peace of mind.
Choosing insurance through a trusted provider like StorSmart—especially one already partnered with your facility—can also save you time and offer more location-specific benefits.
Store With Confidence at Armored Self Storage
At Armored Self Storage in Easton, we believe in treating your belongings with the same level of care we’d give our own. With secure, well-maintained units and the added protection of StorSmart Insurance, your items are in good hands. Whether you’re storing sentimental keepsakes or business assets, protect your investment with a policy that fits your needs.
Have questions about how to get started? Give us a call or stop by today—we’re happy to help you store smarter.