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Risk Management Minute

Valuable Information to Help You Protect Your Ministry

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Are Storage Units Covered On Your Policy?

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Are Storage Units Covered On Your Policy?

I have been in my house for seven years now. With owning your home comes space and with space inevitably comes clutter. I am at the point where I want to toss 85% of the stuff in my garage, only I need someone to haul it away for me. My Honda civic is great on mileage but fairly deficient at hauling.

However, sometimes you have items that need to be saved and don’t have the space on site to store them. Thankfully storage units exist for just this purpose!

Set Scene: Your church has excess sound equipment and lighting that you only use a few times a year for big productions. With nowhere to conveniently store it you decide to rent a unit at secure looking facility.  You drop off your equipment and go about your day. Six months later you get a call that there was a series of break-ins and your unit was hit and all of your equipment is gone. What do you do?  Is this covered? Take this quiz below to find out.

 

 

Aside from theft there are many reasons to make sure your property is protected. My parents had a storage unit when I was in college. Our town had the worst flood in over 100 years and the unit was flooded almost to the rafters. I still remember using oxy clean to get the stains out of my American Girl Doll clothes! Like any property claim, your insurance deductible would apply to the storage unit contents as well.

If you have a storage unit and aren’t sure if you have coverage in place feel free to give us a call! We can either confirm coverage, or get that location added to your policy! 

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Welcome to our Risk Management Minute Blog! My name is Jessica and I joined the First Insurance Group team in 2008. I began working in the Church Division in 2009 and as part of my job began to learn about the specific needs Churches face in regards to Risk Management. We have made it our goal to not only supply you with relevant information, but to take the work out of risk management by creating forms for you to print and use. Have questions on a topic we have yet to cover? Let me know! I will gladly do the research and provide any information I can.

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