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).

📜 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)

✅ 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 🧱

🚫 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

💡 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.

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