Though a storage facility has various arrangements for security of your goods, it is sensible to get your goods insured. Generally warehouses provide insurance coverage for the goods you store. In several states insurance is required by the storage facility operator and is included in the rental charge. However, this insurance offers only little protection. It is better to contact your insurance policy provider for covering the household items in the storage.

The basic charges for insurance are included in the contract you sign with the storage facility. However, this offers very little protection to your goods. Comprehensive insurance requires you to consider some other options.

Inquire with your insurance provider what you need to do when you have to add or remove the goods. The insurance cover can be modified accordingly. Storage operators also offer various options with outside insurance companies with competitive rates. Whatever option you choose, it should cover entire value of your goods. Normally, the insurance company provides coverage for loss due to natural disasters like smoke, earthquake, explosion, building collapse, fire, malicious damage, water damage,theft, etc. However, this depends on the policy of the company. Check what type of losses your insurance policy covers.

Insurance For Goods In Transit

Also, check whether your goods are insured while in transit. Some insurance policies do cover the goods while they are in transit. Trucking companies either do not offer any protection or it is minimal. Professional moving companies and self service movers by and large offer insurance with better protection. It is also important to check with the insurance company as to when the policy end. The coverage would be of little use to you if it ends as you close on your old home.

Under a full service move, the mover sends a truck, packs the goods, loads them and delivers them to the destination. Whereas, under a self service move the mover or trucking company is not responsible for packing and loading your goods. Only a trailer is placed and you load your household goods. The trucking company is responsible only for delivering the goods to your home.

Types of Goods

Insurance coverage is provided for almost all types of personal and commercial property. There are some insurance providers that do not cover things like accounts, deeds, notes, money, jewelry, precious stones, certain garments and some business inventory. Make sure of the items excluded under your policy cover.

Insurance Claim

When you need to claim from the insurance company, you will have to prove the loss/damage done to your goods occurred due to mover's negligence. Mover is not liable to pay you any amount if damage occurred due to poor packing done by you or any reason other than his negligence. Liability claims are made against the mover and not the insurer. The mover may choose to accept liability or refuse it and not compensate you. Generally, customers get indemnity insurance that is the customer is compensated to second hand value of goods.