Insuring household goods in storage

Self-storage is a popular solution for temporary storage. It involves renting a secure unit from a specialized company, to which you have your own access. Self-storage is ideal if you need extra space for your valuables during a move, renovation, or temporary stay. These storage facilities often offer units of various sizes and are usually well-secured with video surveillance and access control.

A garage unit is a smaller, enclosed space that you can rent to store items such as furniture, boxes, or seasonal items. A garage is often easily accessible and offers a practical solution if you need some extra space temporarily. Keep in mind that not all garage units come with standard security features, so always check whether your belongings are insured against theft or damage.

For larger quantities of belongings or a major move, you can opt for a storage container. These are often placed at your home or at a central storage facility. Storage containers are spacious and secure, making them ideal for storing large pieces of furniture or entire households. Again, be sure to check whether your home contents insurance covers damage, fire, or theft during the storage period.

Storage units are larger, secure spaces that you can rent from a storage company. They’re ideal if you need to store a lot of belongings for an extended period, such as during a long-term renovation or when you’re in between homes. Security measures and amenities vary by provider, so always check the terms and conditions and make sure your belongings are insured.

If you store your belongings with friends or family instead of in your own home, they may sometimes be covered under their home contents insurance. In that case, always carefully review the terms of your friends’ or family’s insurance policy, as coverage can vary depending on the situation. When storing items elsewhere, such as in an external storage facility, different rules and restrictions often apply.

Yes, temporary storage is often covered by your home contents insurance. This varies by insurer and depends on the policy terms and conditions.

Generally, your insurance covers damage caused by fire, burglary, water damage, and often vandalism as well, depending on your policy. Please note: insurers usually require clear signs of a break-in to cover damage caused by theft. Check your policy for exact details.

There are significant differences among insurers regarding the maximum period for which your household goods are insured while in storage. For some insurers, this period is three months; for others, it is six months, one year, or even two years.

For example, Centraal Beheer offers coverage for up to two years for items in temporary storage, whereas OHRA provides coverage for up to one year. Therefore, always check well in advance what the exact terms and conditions are with your insurer.

Sometimes additional off-site coverage is required. The storage company may also have specific requirements or offer its own insurance.

In that case, the insurer may exclude the damage from coverage. Be sure to note requirements such as access control or video surveillance.