StorageCheck

Self storage insurance

National Storage makes insuring your goods a condition of storage (your own policy or theirs, from $17.50 a month for $5,000, $250 excess). The other operators whose terms we have read don't require it; Fort Knox and Roomia sell optional cover. Insurance is never in our totals. Insurance is never in our totals.

OperatorSells cover?Must you insure?PriceExcessTheftPaid out as
StoreLocal NoNoNot publishedNot publishedNot publishedNot published
Fort Knox Self Storage Optional coverNoFirst month free, then $15 a month per $5,000Not publishedNot publishedNot published
Wilson Storage Not publishedNot publishedNot publishedNot publishedNot publishedNot published
Public Self Storage Not publishedNot publishedNot publishedNot publishedNot publishedNot published
Roomia StoreReady goods protection (not insurance)NoNot publishedFirst $100Forcible and violent entry neededNew for old under 10 years; market value after
Troon Self Storage NoNot publishedNot publishedNot publishedNot publishedNot published
Storage Box Self Storage Not publishedNot publishedNot publishedNot publishedNot publishedNot published
Store It Cheap Not publishedNot publishedNot publishedNot publishedNot publishedNot published
National Storage Insurance (Gallagher PDS)Yes, your own or theirs$17.50 a month up to $5,000; $112.50 up to $100,000$250 a claimNot publishedNot published
Kennards Self Storage We don't have Kennards' terms. Ask Kennards before you sign.

Each cell comes from the operator's own words below. "Not published" means its pages don't say; ask before you sign.

StoreLocal

StoreLocal does not sell cover or require it; the agreement makes insuring your goods your responsibility.

Operator's wording (2) If you desire to have your items insured whilst in storage, we encourage you to seek out insurance options with your provider of choice.StoreLocal FAQ, read 9 Nov 2026 You are solely responsible for considering the replacement value of Your Goods and purchasing and/or maintaining an appropriate level of insurance coverage in relation to Your Goods.StoreLocal storage agreement terms (managed sites), read 9 Nov 2026

Fort Knox Self Storage

Optional protection cover: first month free (up to $50,000 of cover), then $15 a month per $5,000. Who underwrites it, the excess and whether theft needs forced entry are not published.

Operator's wording (5) No. Protection cover is optional.Fort Knox FAQ, read 9 Nov 2026 No. If you choose to add protection cover, you get free protection cover for your first month. After that it is $15.00 per $5,000 of cover.Fort Knox FAQ, read 9 Nov 2026 Fort Knox will provide your first month of your protection cover FREE (up to the value of $50,000 of protection coverage).Fort Knox terms and conditions page, read 9 Nov 2026 This can cover for claims against Fire, Lightning, Impact, Explosion, Earthquake, Aircraft, Riots and Strikes, Malicious Damage, Storm and Tempest and/or Water and Burglary.Fort Knox FAQ, read 9 Nov 2026 Some items such as fur coats, cash, paint and tobacco cannot be covered by storage protection cover.Fort Knox protection cover page, read 9 Nov 2026

Wilson Storage

Not published by the operator. Ask before you sign:

  • Do I have to insure my goods?
  • What does your cover cost a month per $5,000, and what is the excess?
  • Does theft need signs of forced entry to be covered?

Public Self Storage

Not published by the operator. Ask before you sign:

  • Do I have to insure my goods?
  • What does your cover cost a month per $5,000, and what is the excess?
  • Does theft need signs of forced entry to be covered?

Roomia

Optional StoreReady goods protection (not insurance), up to $100,000, arranged through GSA Insurance Brokers: the first $100 of a claim is yours, theft needs forcible and violent entry, items under 10 years old are replaced as new. Its price is not published under the StoreReady name.

Operator's wording (5) StoreReady is a comparable, optional extension to your Roomia Storage Agreement that extends the circumstances in which we may accept liability if your goods are lost or damaged by specified events, up to $100,000. It’s arranged through GSA Insurance Brokers.Roomia goods protection page, read 9 Nov 2026 No — like StoreProtect, it’s an extension to your Storage Agreement, not an insurance product, and we’re not acting as an insurer or insurance agent.Roomia goods protection page, read 9 Nov 2026 theft, with forcible and violent entry to or from the storage facility or unit,Roomia StoreReady addendum (PDF, linked from goods protection page), read 9 Nov 2026 For items less than 10 years old, StoreReady Goods Protection applies a replacement-as-new basis. For older items, the value is based on their current market value.Roomia goods protection page, read 9 Nov 2026 It is the Tenant’s responsibility to organise insurance for the Tenant’s Property.Roomia Terms of Service (lease, PDF), read 9 Nov 2026

Troon Self Storage

Troon does not sell cover; check whether your home or business insurer can add storage.

Operator's wording (2) Troon Self Storage does not offer insurance on any goods stored in our facilities.Troon FAQ, read 9 Nov 2026 Check with your current house or business insurer to see whether storage insurance is or could be added to your current coverage.Troon FAQ, read 9 Nov 2026

Storage Box Self Storage

Not published by the operator. Ask before you sign:

  • Do I have to insure my goods?
  • What does your cover cost a month per $5,000, and what is the excess?
  • Does theft need signs of forced entry to be covered?

Store It Cheap

Not published by the operator. Ask before you sign:

  • Do I have to insure my goods?
  • What does your cover cost a month per $5,000, and what is the excess?
  • Does theft need signs of forced entry to be covered?

National Storage

You must keep your goods insured, with your own insurer or through National Storage: $17.50 a month for up to $5,000, $22.50 up to $10,000, up to $112.50 for $100,000; every claim has a $250 excess.

Operator's wording (4) It is a condition of your storage agreement that you keep the goods in your storage unit insured ( see Terms and Conditions ). Your goods are not automatically insured when placed in our storage units. You may arrange insurance on your own or alternatively you can take out insurance through National Storage.National Storage insurance page, read 9 Nov 2026 Please note, all claims under the policy are subject to excess of $250 per claim.National Storage insurance page, read 9 Nov 2026 Click here for the Gallagher Storage Risk Insurance Benefits PDS applicable to insurance taken on and from 21 November 2025.National Storage insurance page, read 9 Nov 2026 6.8 (Insurance of Your Goods)   You must keep Your Goods in Your Space insured. You are responsible for determining the replacement value of Your Goods and the appropriate amount of insurance You require, having regard to the Goods stored in Your Space.National Storage storage terms and conditions, read 9 Nov 2026

Kennards Self Storage

We don't have Kennards' terms. Ask Kennards before you sign. Ask before you sign:

  • Do I have to insure my goods?
  • What does your cover cost a month per $5,000, and what is the excess?
  • Does theft need signs of forced entry to be covered?

Does your home contents insurance cover storage?

Often only if you add it. Three insurers' own pages:

You can add cover for contents in commercial storage to your Allianz Home and Contents Insurance, Contents Insurance or Renter Insurance. This is an optional benefit.Allianz: Contents in Commercial Storage, read 9 Nov 2026 For example, if someone breaks in and steals the items you’re keeping in a commercial storage unit, we’ll cover you for up to $50,000.Allianz: Contents in Commercial Storage, read 9 Nov 2026 We don’t cover items in commercial storage that are accidentally damaged under this optional benefit.Allianz: Contents in Commercial Storage, read 9 Nov 2026 If you have contents cover, we’ll cover your contents while stored in a secure commercial storage facility for loss or damage caused by an insured event during the period of insurance, provided the commercial storage facility is lockable, is fully enclosed by walls (including doors), floor, and roof, and only accessible by you or someone authorised by you.Suncorp: Contents in Commercial Storage, read 9 Nov 2026 We do not cover loss or damage from theft when there is no forced entry, contents stored outside Australia or to food or perishables of any kind.Suncorp: Contents in Commercial Storage, read 9 Nov 2026 This option provides insurance for your possessions against loss or damage from events covered by your insurance policy - when they are being kept in a commercial storage facility.Budget Direct contents insurance page, read 9 Nov 2026

Your policy may differ: ask your insurer whether goods in a commercial storage unit are covered, up to what amount, and whether theft needs forced entry.

What to ask

  • Your insurer: does my home and contents policy cover goods kept in a storage unit, and up to what amount?
  • The operator: do you require cover, do you sell it, what does it cost a month and what is the excess?
  • Both: are mould, pests and water damage covered? Ask for the exclusions in writing.

We don't have Kennards' or Storage King's terms; ask them before you sign.