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.
