Whether you're storing personal belongings or business inventory, having the right protection in place is essential. At Storage King, we understand that peace of mind is just as important as extra space. That’s why we offer clear and practical insurance options tailored to your storage needs.
Find out if you do need insurance for a storage unit, what’s covered and how we make the process simple and secure.
Why Insurance for a Self Storage Matters
Is Self Storage Insurance Required by Law in the UK?
No, storage insurance isn’t legally required in the UK. However, most self storage facilities — including Storage King — do require you to have insurance in place as a condition of your rental agreement. This protects your stored goods against unexpected damage or loss.
Why Most Self Storage Facilities Require Insurance
From floods to theft, various risks can affect storage facilities. To safeguard both the business and the customer, insurance acts as a shared safety net. Storage King includes insurance, at a minimal additional cost to your rental, offering up to £100,000 cover depending on your unit and contents.
View our insurance summary here.
What Does Self Storage Insurance Cover?
Your stored items are insured for physical loss or damage caused by:
- Fire or lightning
- Explosions
- Earthquakes
- Storms or floods
- Bursting or leaking pipes
- Water or liquid leaks from other sources
- Aircraft or items falling from aircrafts
- Damage caused by moths, insects or vermin (from external sources)
- Theft involving forced entry or exit from your unit or the building
- Riots, strikes or civil unrest
- Vandalism or malicious damage
- Collisions from vehicles or railway stock
Storage King Insurance Policy Overview
Please note that certain items and risks are excluded from our insurance policy, including:
- Cash, coins, deeds, bonds and similar financial documents
- Animals, plants, explosives and flammable items
- Jewellery, watches, stamps and precious stones over £500 in total
- Furs, artworks, perfumes, mobile phones, tobacco, alcohol and similar goods over £10,000 in total
- Vaping products (e-cigarettes, liquids, devices) over £10,000 in total
- Electronic equipment (TVs, laptops, smartphones, etc.) over £20,000 in total
- Loss of digital data (except the cost of blank storage media)
- Any goods not allowed under your Licence Agreement
- Damage from war, terrorism or political unrest
- Nuclear, radioactive, chemical or biological contamination
- Indirect or consequential losses
- Damage from high-speed aircraft pressure waves
- Cyber risks and communicable diseases
- Items already covered under another insurance policy
Storage King’s Self Storage Insurance Requirements
What You Need to Know Before Moving In
Before you move into your unit, Storage King requires that your stored contents be covered by an active insurance policy. You can opt to use our in-house insurance (easy and affordable) or arrange your own cover, as long as it meets our minimum criteria.
Step 1: Choose an Insurance Provider
Most self storage facilities require you to sign an insurance policy through them, although some might give you the option to seek coverage from a third-party insurance company. This could be a UK insurance provider, or you might be able to cover contents in storage on your household or business insurance policy.
Step 2: Review Policy Terms and Conditions
Carefully read and understand the terms and conditions of the insurance policy. Pay attention to coverage limits, exclusions, deductibles and any additional requirements or provisions.
Step 3: Declare the Value of Stored Items
Once you’ve decided on a provider, you'll need to declare the value of the items you plan to store. This will determine the premium you'll pay and ensure adequate coverage, so be thorough and leave no box unticked.
Can You Use Your Own Insurance Policy?
Yes, you can provide your own insurance policy. However, it must meet our standards for cover value and scope. We’ll need a copy of your policy details before you move in. For many customers, using our in-house policy is the simpler option, as it’s tailored specifically for storage units.
How Much Does Storage Unit Insurance Cost in the UK?
Several factors influence the price of insurance for storage unit contents in the UK:
- The total value of the items you’re storing
- The type of items (e.g. electronics vs documents)
- The level of risk (fragile or high-theft items may cost more)
- The location and size of your storage unit
At Storage King, insurance is typically calculated per £1,000 of value, ensuring you only pay for the cover you need. For current pricing, contact your local Storage King store or give us a call on 0800 0852 954.
Do I Need Insurance for Self Storage in the UK?
Without insurance, you risk losing the value of your goods in cases like:
- Flooding or storm damage
- Theft or vandalism
- Fires, leaks or accidental impact
While Storage King does everything to protect your belongings, some incidents are outside of anyone’s control.
Peace of Mind with Insured Storage
Insurance adds a vital layer of protection and reassurance. Whether you’re storing surplus office equipment or sentimental household items, it ensures you won’t face financial loss in the event of unexpected damage or disaster.
Choosing the Best Self Storage Insurance in the UK
Factors To Consider When Comparing Providers
When selecting the best self storage insurance in the UK, consider:
- What risks are covered (e.g. flood, theft, vermin)
- Maximum cover limits (check item category caps)
- Exclusions (some insurers don’t cover electronics, jewellery, etc.)
- Cost per £1,000 of item value
- Ease of claims process
Why Storage King Is the Trusted Option
Storage King offers a comprehensive in-house insurance policy with:
- Cover up to £100,000
- Protection from fire, floods, theft and more
- Transparent exclusions and full terms available on request
- No need to source external cover, saving you time and hassle
See Storage King’s full insurance details here.
Is Storage Insurance Worth It?
If your belongings are worth storing, they’re worth protecting. While self storage insurance in the UK isn't legally required, it’s a smart and often necessary investment.
At Storage King, we make it easy to insure your items with cover tailored specifically for storage units. Whether you're a business owner storing inventory or a homeowner between moves, having the right insurance ensures you stay protected, whatever comes your way.
Speak to us today about our insured self storage services, or find your closest facility and visit us in person.
