While renters insurance often includes coverage for storage units, the extent of the coverage varies. Insurance coverage is common for belongings stored outside of your primary residence, typically up to 10% of the personal property limit in your policy. This coverage kicks in after meeting the deductible.
Review your policy to check if it covers only theft or extends to accidents, floods, fires, and natural disasters.
To file a claim in the future, you'll need an itemized list of everything in your storage unit, so keep photos of high-value items.