If you’ve recently rented—or are planning to rent—a self-storage unit in Winnipeg, you may be wondering about self storage unit insurance and whether your belongings are protected.
StorageVille created this guide to answer the most common questions about self storage unit insurance, what storage facilities are responsible for, and how to make sure your items are properly covered.
What Is Self Storage Unit Insurance?
Self storage unit insurance protects your personal belongings while they are stored in a storage unit. While self-storage facilities insure the building itself, the contents of your unit are typically your responsibility.
Just like renting an apartment:
The property owner insures the structure
The renter insures their belongings
The same insurance model applies to self-storage units.
What Are Self-Storage Facilities Responsible For?
Self-storage providers are responsible for:
Maintaining the building and property
Providing security measures for the facility and units
However, self-storage companies are not liable for loss or damage to items stored inside your unit. This is why self storage unit insurance is so important.
StorageVille Security Features
While insurance protects your belongings financially, StorageVille focuses on preventing loss in the first place with industry-leading security.
Winnipeg’s changing seasons—including extreme cold and fluctuating temperatures—make proper storage security and insurance especially important for protecting your belongings year-round.
Facility Security Includes:
Perimeter chain-link fencing for visibility
Electronic gate access with personal passcodes
24/7 video surveillance
High-intensity nighttime lighting
Fire monitoring and temperature detection
Individually alarmed storage units
Monitoring by an accredited third-party ULC monitoring station
Do I Need Self Storage Unit Insurance?
In most cases, yes—but coverage depends on your situation.
Short-Term Storage
If you’re storing items temporarily (30–90 days), your homeowner’s or renter’s insurance may provide limited coverage. Always confirm this with your insurance broker.
Long-Term Storage
For long-term storage, a dedicated self storage unit insurance policy is strongly recommended to protect against theft, fire, water damage, or other unexpected events.
Facility Requirements
Some storage facilities:
Require proof of self storage unit insurance
Offer insurance policies on-site
Be sure to review any policy carefully to understand coverage limits and exclusions.
Why StorageVille Recommends Self Storage Unit Insurance
Only you can determine how much coverage you need. Many storage facilities offer basic, one-size-fits-all insurance—but this may not reflect the true value of your belongings.
Benefits of Using an Insurance Broker:
Licensed and provincially regulated
Tailored coverage for your specific needs
Expert guidance and peace of mind
Your broker can help ensure your self storage unit insurance properly protects your items—whether you’re storing short or long term.
Frequently Asked Questions About Self Storage Unit Insurance
Is self storage unit insurance required?
Some facilities require it, while others do not. Even when it’s optional, insurance is highly recommended to protect your belongings.
Does homeowner’s or renter’s insurance cover storage units?
Sometimes. Coverage varies by policy and often has limits. Always confirm coverage details with your insurance provider.
What does self storage unit insurance typically cover?
Policies may cover:
Theft
Fire and smoke damage
Water damage
Certain natural disasters
Coverage varies by insurer and policy.
Can I buy insurance directly from a storage facility?
Many facilities offer insurance, but these policies may be limited. Third-party insurance often provides more flexible and comprehensive coverage.
How much does self storage unit insurance cost?
Costs depend on the value of your stored items and the coverage level you choose. Your insurance broker can help you find an affordable option.
Protect Your Belongings with the Right Coverage
Whether you’re storing household items during a move, downsizing, or running a business in Winnipeg, self storage unit insurance helps protect your belongings from unexpected loss or damage.
If you have questions about self storage unit insurance or renting a storage unit in Winnipeg, contact your nearest StorageVille Winnipeg location today.
