Most storage facilities are secured with surveillance cameras, locked entrances, and/or security personnel. Your unit has a lock on it, so no one else has access to it. It is unlikely someone would have the opportunity to drive up to your unit, break in, and steal your stuff. So, do you need to take out an insurance policy specifically for your storage unit? The answer depends on a few factors.
If you have a homeowner's policy that covers all your items, even if they are stored outside the home, then you may not need a separate policy. If that is the case, make sure you include the stored items on your list of valuables for your policy. If you are storing inventory in Self Storage Hudson, check with your agent or insurance company. They will be able to tell you if your business policy covers all inventory, regardless of where it is located. If you have renter's insurance, your stored items may be covered since you are renting a unit. In any case, you may still want a separate policy for your AAA Storage unit.
There are many advantages to a storage unit insurance policy. An insurance policy for your self-storage unit will protect your belongings against fire, water damage, theft, or loss. You can get a policy through your insurance agent, or directly from the storage company, like AAA Storage Hudson, for example. The policy has a separate deductible, so any claim on it would not raise the premium on homeowners or business insurance policies. Premiums are inexpensive, and can be as low as ten dollars per month. Storage unit policies do not only cover your belongings while they are in the unit. Your items are also covered while they are in-transit, within 50 miles of the your unit.
Another thing to consider is the facility that houses your storage unit. If you have a climate controlled unit, and something goes wrong with their system, you may not be covered for losses under another policy. If you are renting a drive up unit, and something explodes in the unit next to yours, you want to be sure your items are covered. A homeowner's, business, or renter's policy may not cover damages or loss in a case like that. Review your current policies to determine if stored items are covered. If they are, be sure to list them accurately. If they are not, then you definitely need an insurance policy for the items you have in storage.