Protect Your Belongings While in Storage: Smart Cover from SSIA

Storing your furniture, business stock, or valuable sentimental items in a self-storage facility can give you extra space and freedom. But here’s the catch: your stored goods are not always automatically insured. That’s why more Australians are turning to the right cover like “Goods in Storage Insurance” to truly protect what matters.

With SSIA’s tailored cover, you’ll get peace of mind knowing your items are safeguarded while in a storage unit. This blog explains why it matters, what this specialised cover includes, and how you can make sure you’re properly protected.

Why You Need Goods in Storage Insurance

Many people assume that once they pay for a storage unit, their belongings inside are automatically covered. Unfortunately, that’s often not the case.

Your standard home contents or business insurance may exclude off-site storage or impose limits on duration and risks. A dedicated Goods in Storage Insurance policy addresses those gaps.

Here are three key reasons:

• Unexpected risks: Fire, storm damage, burst pipes, theft via forced entry all can happen in storage. 
• Coverage gaps: Your storage facility may insure the unit (walls/roof), but often not the contents inside.
• Tailored value: With SSIA, you can choose your sum insured and customise coverage based on the content type, whether personal effects or business stock. 

In short: if you’re storing items that have value (emotional or commercial), a standard unit rental doesn’t cut it; you'll need proper cover.

What Does SSIA’s Storage Cover Include?

SSIA offers the kind of policy designed for storing goods whether personal or business-related. Key features include:

• Protection against fire & storm damage
• Cover for theft (when there’s forced entry)
• Safeguard from water damage (e.g., burst pipes)
• Cover for damage from natural disasters in approved facilities
• Flexible cover limits to match your budget and the value of your items Self-Storage Insurance Australia.

That’s not all. SSIA emphasises simple, transparent policies with a streamlined claims process, so you can focus less on paperwork and more on securing your peace of mind. 

Is This Cover Right for You?

If any of the following apply, you should seriously consider it:

• You’re storing household items, furniture or personal effects for longer than just a few weeks.
• You’re a small business storing inventory or equipment off-site and need to protect those assets.
• You want to make sure you’re not relying on your storage facility’s blanket policy (which may exclude many risks).
• You value clarity and want a policy you can tailor sum insured, period, and type of content.

If you fall into this target market, SSIA’s “Goods in Storage Insurance” could be exactly what you need. According to their Target Market Determination (TMD), the product is designed for individuals or businesses storing goods in approved storage facilities, looking for cover for loss or damage.

What’s Not Covered (Important to Know)

Like all insurance policies, SSIA has exclusions you’ll want to review. Some typical limitations:

• Items stored outside your locked unit or in transit to/from the facility may not be covered. Quantum Underwriting Agencies
• Certain high-risk items or categories (e.g., precious stones, jewellery above set value, vehicles, boats) often require special endorsement or may be excluded. 
• Flood damage may be excluded unless explicitly approved.

Always check the Product Disclosure Statement (PDS) to understand exactly what your policy covers and where the limits lie.

How to Get Started with SSIA Cover

Taking out cover is straightforward:

1. Visit the SSIA “Goods in Storage Insurance” page and click Get a Quote. Self-Storage Insurance Australia
2. Select your sum insured based on the value of goods you’ve got in storage.
3. Confirm your storage facility is an SSIA-approved location (they must meet certain standards).
4. Review the policy terms, pay the premium, and you’re covered for your selected period.
5. Keep records (photos, receipts) of your stored goods; these make claims smoother.

Tip: If you’re uncertain about some items (high value, special category), discuss with SSIA whether they need to be declared/excluded.

Why SSIA Stands Out in the Storage Insurance Market

• SSIA focuses solely on storage-related cover, so their policy is designed for this speciality not an add-on afterthought. 
• They offer client-controlled coverage, meaning you pick the level of protection that fits your scenario. Self-Storage Insurance Australia
• Their online platform and integration with participating storage facilities make it easy for many clients to buy cover directly from their unit’s website link.
• Transparent pricing, claims service and policy terms create trust and reliability.

Final Thoughts

If you’re storing goods off-site whether moving house, decluttering, running a business or simply freeing up space it’s time to treat your belongings like valuable assets. Having a storage unit is just part of the solution. The missing piece is the right cover.

With Goods in Storage Insurance by SSIA you gain the protection your belongings deserve. Don’t assume “unit rented = everything insured.” Make sure you’re covered properly.
Get a quote today and store with confidence.

Frequently Asked Questions (FAQs)

Q1. Does my home contents policy cover what I store in a self-storage unit?
Often not. Many home or business contents policies exclude off-site storage or limit cover to fixed periods. Always check your policy if it doesn’t fit, consider specialised cover.

Q2. How much does storage insurance cost?
It depends on your sum insured, type of goods, storage period and facility standard. Because the risks are specific, the cost is generally more affordable than you might expect.

Q3. Can I insure business stock stored in a self-storage facility?
Yes SSIA’s “Goods in Storage Insurance” covers both personal items and business goods stored in approved facilities. 

Q4. What if the storage facility is broken into will I be covered?
If the break-in involves forced entry and your policy includes theft cover, you may be eligible to claim. Always check the terms and reporting procedures.

Q5. Can I extend the cover if I’m storing long-term?
Yes, SSIA allows policy periods suitable for your needs (short- or long-term) and you can select your sum insured accordingly.