How to choose a self-storage unit
Sick of stubbing your toe in the dark on that dusty treadmill, but can’t bear to part with it? If you’re like approximately 1 in 10 of your neighbors, you’ll turn to a self-storage facility – a booming industry that’s grown by 75% since 1995, according to trade-group statistics.
Your PEMCO policy protects items in rented storage lockers the same as if they were in your home. However, no insurance policy can remedy the heartache caused by sentimental items lost forever – and that’s why it’s so important to choose your storage locker carefully. These tips come courtesy of the Northwest Insurance Council:
- Make sure the unit isn’t in a flood-prone area. Unless you’ve purchased flood insurance (through the federal government) for your storage unit, no insurance will apply.
- Check security. Besides coded, electronic gates, look for security cameras, good lighting, door alarms, and ideally, an onsite manager.
- Pay for climate control. Temperatures 55 to 85 degrees Fahrenheit protect your belongings from mold and mildew (generally not covered by your policy).
- Look for fire-resistant construction, roll-up doors that lock tight, and restrictions on storing hazardous materials. Walk away if you spot evidence of water leaks.