Short answer: Yes. Whether it's required by your storage facility or just smart planning, some form of insurance or protection is essential when storing your personal belongings.
Storage facilities don’t cover your belongings under their own insurance. If fire, theft, water damage, or vandalism occurs, you’ll need your own policy—or a facility-offered protection plan—to get reimbursed.
Some policies offer “off-premises” coverage for items stored outside your home—typically 10–20% of your total coverage limit. But not all policies include this, and it may not be enough to cover everything in your unit.
Example: If your renters insurance covers $30,000 total, your storage unit may only be protected up to $3,000–$6,000. Always check with your insurance provider for details.
Many facilities (including ours) offer a Tenant Protection Plan. While it’s not insurance, it does offer reimbursement if the facility is proven negligent—like failing to repair a leaking roof that ruins your furniture.
At Texas Tuff Storage, we require proof of insurance within 14 days of your lease. If none is provided, we’ll automatically enroll you in the Tenant Protection Plan starting at $12/month.
Take a few quick photos or make a list of what you’re storing. It’ll make any insurance or protection claim much easier (and faster) to process.
Still have questions? Check out our full Frequently Asked Questions page or email us at support@texastuffstorage.com.
