Are My Belongings Covered in a Storage Unit or Offsite Location?

Yes — but only in limited situations.

Under the Limited Personal Property Coverage Endorsement, your policy offers up to $1,000 in coverage for personal property stored away from your insured location (like a storage unit or offsite facility).

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📜 What the Policy Says:

“We will provide coverage of up to $1,000 if the personal property is located away from the insured location at the time of loss.”

(See PDF page 21, Limited Personal Property Coverage Endorsement)

🔗 View the full policy wording (PDF)

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✅ What’s Covered

✔ Up to $1,000 in coverage for personal items stored offsite

✔ The loss must be caused by a covered peril — for example:

• Fire 🔥

• Theft 🚪

• Vandalism 🧱

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🚫 What’s Not Covered

⛔ Flood, mold, or other excluded risks

⛔ Business use — items used for business or commercial purposes

⛔ Unsecured storage — storage units must be properly secured to qualify

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💡 Heads-Up

• This coverage is limited — it’s not meant for long-term or high-value storage.

• If you’re storing expensive or irreplaceable items, we recommend contacting us to talk about additional coverage options.

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Still Unsure?

Let us know what you’re storing and we’ll help check if it’s covered. You can also reach out if you’re wondering whether a specific type of loss or event would qualify for reimbursement. We’re happy to walk you through it. 👍

Updated on: 04/04/2025