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Does Your Home Insurance Cover Your Storage Unit?

 In General, Storage

If you’ve decided to start using self-storage, it’s important to consider insurance for your possessions. PODS Secure Storage Centres feature security systems to ensure your belongings are protected, however it’s always wise to be prepared for any unforeseen circumstances. After all, nobody wants to be caught off-guard and left uncompensated for any damage that might occur to their items.

Contents Protection Cover can be obtained through PODS, which is applied to your account at the time of booking your PODS container. While getting Contents Protection Cover this way is convenient, we understand that you may prefer to take out contents insurance from a provider of your choice. If you prefer to go through your own home insurance company, here are a few steps to help guide you through the process.

1. Check your household insurance first home-insurance-storage

Many companies in Australia require you to purchase additional cover for contents in storage facilities (including while your belongings are in transit to the unit). They also might stipulate that the unit is accessible only by you and that it’s fully enclosed and lockable.

2. Check your coverage limits

If your storage is covered, keep in mind that coverage limits apply and take note of the maximum protection your policy provides. Check your policy to find out how much coverage it includes for personal property and look out for any restrictions. If your items are substantially more valuable than your coverage, you’ll need to take out extra protection. Always discuss this with your chosen provider before moving your things into storage.

3. Take charge of your items

Once you confirm the insurance provider and policy you’ll move forward with, it’s time to prepare for the move. Itemise everything as it is being packed and keep a log of the contents. Taking photos can be a good way keep track of and identify your inventory. Later down the track, as you add or remove items, remember to update your details with your provider.

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Got more questions about insurance coverage? Feel free to contact our Customer Service department to find out more.

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