What Home Insurance Doesn’t Tell You About Stored Belongings

Assumptions

If you’re between homes, downsizing, or storing items during renovations, chances are you assume your home contents insurance has you covered. Unfortunately, that assumption can come at a high cost. Standard home insurance policies often exclude or severely limit coverage for belongings stored outside the home—leaving you exposed just when you think you're protected.

The Overlooked Gaps in Home Contents Insurance

Most traditional policies define “contents” as items within your primary residence. Once those items leave your home—even temporarily—coverage is often:

• Significantly reduced in value
• Excluded for high-risk incidents like theft or flood
• Subject to location-specific clauses

Why Storage Units Fall into a Grey Area

Storage facilities, while secure, are considered third-party locations. That means insurers can treat them as high-risk zones, especially for long-term storage. Your items may only be covered for a fraction of their worth—if at all.

What Your Insurer Might Not Mention

• Transit risks are almost never included
• Items must often be itemized with receipts
• Damage from pests, mold, or water ingress may be excluded

The Better Option: Purpose-Built Storage Insurance

At SSIA, we offer insurance specifically designed for life’s transitions:

• Full coverage while in storage
• Optional add-ons for transit, flood, and high-value items
• Simple 60-second digital quote

Act Now

Don’t leave your belongings half-protected. Home insurance might not go the distance when your items are in storage. Choose SSIA for transparent, comprehensive coverage—built for real-life moves.

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