Insurance for belongings in self storage – what you need to know

Who is responsible for the insurance?

When you rent a storage unit from Selvbetjeningslageret, you are responsible for insuring the belongings stored in the unit. Selvbetjeningslageret does not insure customers' household contents, business stock or other possessions.

Contact your own insurance provider before moving anything into storage. Ask for written confirmation of what is covered, which limitations apply and whether the storage address must be added to your policy.

Does home contents insurance cover self storage?

There is no single answer that applies to every policy. Terms vary between insurers, products and levels of cover. Some policies may cover belongings temporarily stored away from home, while others limit the duration, insured events, total value or type of storage location.

Do not assume that your home contents insurance automatically covers everything in self storage. Ask your insurer to assess your specific policy and storage situation.

What to confirm with your insurer

• Whether the policy covers belongings kept at an external self-storage facility

• Which events are covered, such as fire, water damage, burglary or theft

• How long belongings may be stored away from the insured home address

• The insured amount, special limits, exclusions and excess

• Requirements for locks, access and other security measures

• Whether the storage address and period must be declared in advance

Personal belongings and business property

Personal home contents insurance is normally intended for privately owned belongings. Stock, tools, machinery, records or other property belonging to a business may require separate business insurance. Tell your insurer what will be stored, where it will be kept and its total value.

Document what you store

A clear inventory can help you choose an appropriate insured amount and document a future claim. List the belongings, take photos or video, and keep receipts, serial numbers and other records. Consider the total replacement cost rather than only the second-hand value.

Pack and store belongings properly

Insurance is not a substitute for careful packing. Use sturdy boxes, protect fragile items and arrange everything so it remains stable. Avoid placing vulnerable belongings directly on the floor, and always follow the rental terms and storage rules.

Review your cover when circumstances change

Review the insurance if the value of the contents increases, the storage period is extended or you change insurer. Keep written confirmations received from the insurance provider.

In summary

Selvbetjeningslageret does not insure your belongings. You must arrange suitable insurance and an appropriate level of cover. Contact your insurer before moving in, explain what you intend to store and request written confirmation of the cover.

This article provides general information and does not replace the terms or advice provided by your insurer.