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Informative

Do You Need Insurance for Your Storage Unit?

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Bolt Storage
December 4, 2025
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3 min read
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When you’re storing personal or business belongings, insurance adds peace of mind. At Bolt Storage, we take security seriously, and that includes offering a protection plan to safeguard your items against life’s unexpected moments.

This guide explains how storage unit insurance works, what’s covered, and why it’s a smart move for renters.

What Is Storage Unit Insurance?

Storage unit insurance helps protect your stored items from things like fire, theft, water damage, and vandalism. While not legally required, Bolt Storage does require insurance to ensure every renter has an extra layer of security. See our tenant protection offers.

You can use your own coverage (like renters or homeowners insurance if it applies), or choose our recommended protection plan designed for self-storage risks.

What Does Bolt Storage’s Protection Plan Cover?

Our in-house plan offers broad protection against:

  • Burglary (with proof of forced entry and police report)
  • Building collapse (including due to snow or wind)
  • Water damage, including mold and mildew
  • Fire
  • Rodent or vermin damage
  • Vandalism

Note: Some categories, like mold or collapse, have limited coverage, contact us to confirm details for your specific location or unit size.

What’s Not Covered?

Here’s what is excluded under most protection plans:

  • Cash, firearms, jewelry, and furs
  • Valuable papers, antiques, or collectibles
  • Flood or surface water damage
  • “Mysterious disappearance” (loss without clear evidence)

Tips to Protect Your Belongings in Storage

Even with insurance, you can take steps to keep items in top shape:

  • Inventory and photograph all stored items
  • Use plastic covers to protect from dust/moisture
  • Place boxes on pallets or boards to stay off the ground
  • Store electronics or valuables at the back of the unit
  • Always use a disc or cylinder lock

Do You Need Insurance If You Already Have Homeowners or Renters Insurance?

Maybe! Some homeowners or renters policies offer “off-premises” protection, but coverage limits and exclusions apply. Double-check with your provider.

If you don’t have external coverage, our affordable protection plan ensures you're covered and fully compliant with rental requirements.

Bolt protection plans include:

  • $100 deductible
  • Burglary deductible waived with proper lock
  • Clear documentation and easy claims process

Where Bolt Storage Is Available

We offer secure storage units with flexible protection plans in these states:

  • Florida
  • Georgia
  • Pennsylvania
  • New York
  • Ohio
  • Indiana
  • Connecticut
  • Illinois
  • North Carolina
  • Virginia
  • Mississippi

Find a Bolt Storage Location Near You

Ready to Rent a Storage Unit With Protection Built In?

At Bolt Storage, we believe peace of mind shouldn’t cost extra hassle. That’s why we make it easy to rent online or by phone, and give you flexible protection options at every step.

Need help picking a plan? Call our team at 866-300-2658 and we’ll walk you through it.

Find Storage Units Near You Up To 75% Off

Discover nearby storage units with up to 75% off at Bolt Storage. Affordable solutions for your storage needs. Find convenience without the high cost.

 

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FAQs: Your Self Storage Questions, Answered!

Got questions about self-storage?
We've got easy answers! Wondering about unit sizes, security, or online renting? Check out our FAQs for quick solutions. Keeping storage simple and stress free - that's our thing!

Are my items safe?

Your items are secured by a gate (most locations) and 24/7 video monitoring. Your items are very safe. See how we keep storage secure.

What types of RVs can I park at Bolt Storage?

You can park motorhomes, travel trailers, camper vans, and fifth wheels. If it fits within the parking space, we can accommodate it.

What size storage unit do I need for a one bedroom apartment?

A 5x10 or 10x10 storage unit is ideal for a one-bedroom apartment. It can fit a bed, couch, small appliances, and several boxes.

Is it easy to get access?

It is extremely quick and easy to rent storage units 24 hours a day. Simply go on your phone or laptop and sign the lease, make your payment and you’re all set. Instant access right on the spot! You’ll be sent a text message with your gate code (most locations). See exactly how to rent a storage unit step by step.

Are the parking spaces covered or uncovered?

Most of our RV parking spaces are uncovered and located outdoors. This allows for easy access and affordable pricing.

What size storage unit fits a two bedroom apartment?

A 10x10 or 10x15 unit is usually the right size for a two bedroom apartment. These units hold furniture, mattresses, dining sets, and around 30-40 boxes.

Are the storage units affordable?

There’s a reason why our facilities stay over 90% full, our storage units start at just $45/month, and we even include a free lock with your rental! Plus, throughout the year, we offer special promotions at selected locations, up to 75% off for the first two months, depending on availability.See how much a storage unit actually costs.

Can I store other vehicles besides RVs?

Yes. While RVs are the most common, we also store trucks, trailers, boats on trailers, and cars.

Is a 10x20 storage unit big enough for a three bedroom house?

Yes, a 10x20 storage unit typically fits the contents of a three bedroom home including large furniture, appliances, and boxes.

Is it month to month or do I sign a longer lease?

All of our storage units are month to month rentals, so you're never locked into a long term contract. Just give us a 10 day notice before moving out and you won’t be charged for any extra time. Learn how flexible month to month storage works and why it’s a great option.

Do I need to reserve in advance?

It is recommended to reserve your RV parking space early, especially during busy seasons when space fills up fast.

Are there climate controlled controlled storage units?

Bolt Storage offers climate-controlled storage in some facilities. Temperature-controlled spaces maintain the ambient temperature and  humidity at ideal levels for keeping your things in great condition. Easily rent online if you need climate-controlled/temperature-controlled storage unit, remember that we only have online rental.

What can I store in a 5x15 storage unit?

A 5x15 unit holds the contents of a studio apartment or large walk-in closet, including boxes, small furniture, and bikes.

Can I rent my storage unit online at Bolt Storage?

Yes, absolutely! Renting your storage unit online at Bolt Storage is incredibly simple. Just find a storage unit near you and complete the rental process hassle-free. See in detail how easy is to rent with Bolt Storage.

How big is a 10x30 storage unit?

A 10x30 storage unit can hold the contents of a 4-5 bedroom home including furniture, appliances, and outdoor gear. Perfect for large moves.

Do I need a lock when I rent a storage unit?

A free lock is provided upon rental for each storage unit. Find the lockbox on-site to get your free lock.

Can I store a vehicle in a storage unit?

Bolt Storage does not recommend storing vehicles inside traditional storage units. Instead, we offer dedicated outdoor and covered parking spaces for RVs, boats, and cars.

What size storage unit do I need?

If you’re unsure of what size you should choose, head over to our size guide to get a better idea of what you need.

How do I choose the right storage unit size?

Start with an inventory of your belongings and estimate the square footage you need. Our online size guide helps match you with the right unit. Get more helpful advice in our Blog section.

What size storage units and parking spaces are offered by Bolt Storage?

Our facilities have storage units starting from 5×5 to 20×30 drive-up units, and climate controlled storage units, giving customers options to choose the right size for their belongings. find your unit here.

Do storage units have height limits?

Most units have ceilings around 8 feet high, so you can safely stack boxes and furniture to maximize vertical space.

Do you accept cash?

We do not accept cash.  Payment can only be made via credit/debit card or via ACH (same as a check).

Should I leave space to access my items in storage?

Yes, we recommend leaving an aisle or at least space to move around inside your unit. Place frequently used items near the front.

Do I need insurance for my storage unit?

We require insurance for all stored items to help protect your belongings from unexpected events. You can use your own policy or choose a low-cost plan during rental. Learn more about storage unit insurance →

Is climate-controlled storage worth it?

Absolutely. Climate-controlled units help protect wood furniture, electronics, and clothing from humidity and temperature changes.

How should I pack my storage unit efficiently?

Place heavier items on the bottom, stack similar-sized boxes, and label everything. Disassemble furniture to save space.

How long can I rent a storage unit for?

At Bolt Storage, all rentals are month-to-month. Whether you need storage for just one month or for years, you can stay as long as you like without signing a long-term contract.