Does Progressive renters insurance cover storage units?

My parents are downsizing and moving to Myrtle Beach. They’re putting a lot of their stuff in a storage unit near their new apartment. Will their Progressive renters insurance cover the property in the storage unit?

Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s great you’ll soon have parents at the beach—it makes family reunions that much more enjoyable. Now, when it comes to their coverage, yes, it’s likely that their belongings are covered by their
renters insurance. However, there may be limits to that coverage.
Here’s a short overview of storage units and standard
renters insurance
  • Renters insurance will cover at least part of the cost of replacing items in a storage unit if they are destroyed by covered perils such as theft, fire, and explosions (among other listed perils).
  • Many renters insurance policies reduce coverage limits for personal items that are not actually inside the apartment, condo, or house that is being rented. For instance, your parents’ property may be covered for up to $30,000, but the policy may have a limit of $10,000 for furniture and other items stored off-site. Be sure to check their policy.
  • Should you take out extra insurance to insure the storage unit? Many storage companies do offer extra insurance, so consider whether it makes sense to take out an additional policy.
Here’s to enjoying the beach!
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