Storage units may house your belongings – but lack insurance coverage.  

From old furniture to your kid’s bikes, putting items in storage is a great way to free up space in your home, while keeping them accessible. Storage facilities are ideal for many homeowners, but even under lock and key, you may want to have additional protection in place. Homeowners insurance is ideal for protecting your belongings, and your items away from home (believe it or not!).


Homeowners insurance is designed to cover your personal property. This helps to protect your belongings, including clothes, devices, appliances, electronics, and furniture from certain risks – up to the limits of your policy. Insurance will protect your belongings whether they are on your property or away from home. A typical homeowners insurance policy protects these belongings from being lost or damaged in the event of a fire, natural disaster, theft, vandalism, and water damage.

Generally, a homeowners insurance policy has lower limits on coverage for off-premises personal property. In essence, your belongings in storage are protected…somewhat. For this reason, you should contact your home insurer to raise the limits of your protection.


If the value of your stored items is significantly more than your off-premises coverage, you may want to consider protecting your possessions further.

  • Increase coverage limits – If you have possessions with a higher value than what your current policy is offering, it’s time to raise your coverage limits.
  • Increase coverage for high-value items – If you have items that are costly, such as expensive jewelry or First-Edition art in storage, you may want to purchase scheduled personal property specifically to protect those items.

Leaving your belongings safe in storage is smart for every homeowner, but be sure to review your coverage when necessary. The team at Tompkins Insurance Agencies can help in finding you the right home insurance coverage to protect your belongings in and outside of your home. Contact us today to get started.