What Insurance Options are Available for U-Haul Self-Storage Units?

If you rent a U-Haul® self-storage unit, you can get Safestor® insurance for a low-cost to cover loss or damage for your stored goods. Your items are worth storing, so they’re worth protecting with Safestor.

U-Haul Storage Coverage Options

The only option available for storing with U-Haul is Safestor. This protection is available for your self-storage unit, or for your loaded U-Box container being stored at a secure U-Haul facility.

While U-Haul takes precautions to provide a safe and secure storage environment, we are not responsible for damage or loss to your goods. That’s why Safestor is designed to protect your belongings from unexpected losses from things like:

• Weather & natural disasters (hurricane, tornado, wind, lightning, hail, earthquake, flood)
• Fire, smoke, explosion
• Theft & vandalism (burglary, vandalism)
• Water damage (flooding, leaking water)
• Other physical damage (building collapse)
• Pest-related damage (vermin)

Looking for other U-Haul insurance options? Read our Complete Guide of U-Haul Insurance Options.

How Much Can I Insure in a U-Haul Storage Unit?

Safestor offers four protection levels: $1,000, $5,000, $10,000, or $20,000, and coverage is for actual cash value.

There is no deductible on any of the levels of coverage!

What is Not Covered by U-Haul Storage Insurance?

Safestor has some important exclusions customers should know up front. Here is a list of what Safestore does not cover.

• Theft or mysterious disappearance, but does provide protection for burglary where there’s evidence of forced entry and a police report is filed.
• Damage or loss incurred while a U-Box container is at your residence or drop-off location.
• Safestor does not specifically provide protection for jewelry, furs, money, artwork, antiques, securities, documents, or motorized vehicles.

• Safestor does not provide protection for loss resulting from war or climatic conditions like rust or mildew.

How Do I Add U-Haul Storage Insurance?

Safestor is designed to be simple to add:

• Safestor can be added at any time from the U-Haul App or online in your account at uhaul.com 
• Speak to a U-Haul representative in-store or over the phone and explain you want Safestor and select your protection level.
• U-Haul personnel will itemize Safestor on your rental receipt and collect the fee in addition to your storage fee.
• Protection is effective when itemized on your receipt and the appropriate fee has been paid.

Your protection is billed as a month-to-month charge in addition to your monthly storage fee. To keep your coverage active, the Safestor fee must accompany your rental payment each month.

Do I Really Need Storage Insurance?

The short answer is yes. Insurance is required at every U-Haul self-storage facility. Safestor is optional, and if you choose to decline, you must provide proof of either renter or homeowner insurance.

Some homeowners or renter insurance policies may restrict the amount of coverage provided for goods stored away from your primary residence, so it is best to check with your insurance provider on what your coverage is.

Ready to protect what matters most? Add Safestor insurance to your U-Haul self-storage unit today and store with confidence. Select coverage online, in person or talk to a U-Haul representative over the phone to choose your coverage level and get the protection your belongings deserve.

 

Frequently Asked Questions About Safestor Insurance

Does Safestor cover theft?

No, Safestor does not cover theft or mysterious disappearance, but it does provide protection for burglary where there is evidence of forced entry and a police report is filed.

Is Safestor available everywhere?

No, Safestor is not at available at all U-Haul dealerships.

Do I need Safestor if I already have renter’s/homeowner’s insurance?

You do not need Safestor if you provide proof of insurance. It is best to confirm coverage with your insurer.

Need more help? Read all of our U-Haul Damage Coverage FAQs.