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Who is responsible if a storage unit gets broken into?
I am moving into a new apartment, but it won’t be ready for a few weeks. I was thinking about renting a storage unit to hold my stuff in the meantime, but I am a little nervous. Who is responsible if a storage unit gets broken into and my stuff gets stolen?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If your storage unit gets broken into, you are responsible for your belongings in most situations, but not all.
Most storage units have you sign a contract stating they are not liable for stolen or damaged property. In some cases, they offer storage insurance. If you purchased this insurance, a policy report would be filed, and they would reimburse you for the loss to the limit of the insurance.
If you declined this coverage, the next option would be your renters insurance policy. If you have a renters policy, there is a provision for off-premise coverage for your personal property.
Your personal property is covered anywhere around the world; where you go, the coverage goes too. The same coverage that applies to your belongings in your hotel room applies to your storage locker. There is usually a 30-day time limit.
If you plan to store items like jewelry, electronics, or furs, check with your insurance provider. These items have special limitations.
Without insurance, you are financially responsible for any theft or damage to your property. Download the
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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