Insurance when storing your belongings – are your items covered?
Many people store furniture, clothes, sports equipment and other belongings in the basement, garage or shed. But do you know how your items are insured if they are exposed to, for example, water, fire or theft?
Insurance cover can vary depending on where and how your belongings are stored. That is why it is a good idea to both check your insurance and consider how best to protect the items you want to keep.
When storing at home is not the best solution
Basements, garages and sheds are practical places to put items that there is no room for in the home. However, conditions are not always ideal.
Damp, temperature fluctuations and the risk of water can be hard on, among other things, furniture, textiles, books and electronics. At the same time, your insurance cover may depend on where your belongings are located and what type of damage is involved.
It is therefore worth checking the terms and conditions with your own insurance company before placing valuable or sensitive belongings in the basement, garage or other places outside the home.
5 things you should consider when storing your belongings
1. Check your insurance cover
Find out how your contents insurance covers items stored outside the home itself. There may be special terms or limitations.
2. Watch out for damp and water
Basements and other storage areas can be exposed to damp and water. This can particularly damage furniture, textiles, books and electronics.
3. Pack your items properly
Use sturdy moving boxes and suitable packing materials. Make sure fragile items are well protected, and label the boxes clearly.
4. Consider what you store
Some belongings require better storage conditions than others. Therefore, consider both value, material and how long the items will be stored.
5. Choose the right storage conditions
If you do not have good storage conditions at home, a heated storage unit may be an alternative.
A storage unit can provide better conditions
At Pelican, our storage units are dry and heated, and our centres are monitored by CCTV. This provides ideal conditions for storing, for example, furniture, moving boxes, clothes and other belongings.
You also have access to your belongings every day, making a storage unit suitable for both short- and long-term storage. Find a storage unit
Insurance for your storage unit
When you rent a storage unit, it is important to make sure your stored belongings are properly insured.
You can read more about insurance when renting a storage unit with Pelican, including the applicable terms and conditions.
Read about insurance at Pelican
Take good care of the items you want to keep
Good storage is not only about creating more space. It is also about choosing the right conditions for the belongings you want to protect.
By packing your items properly, checking your insurance cover and choosing a storage location that suits your needs, you can help protect your belongings – both in the short and long term.