Short Answer
Yes — most storage facilities require proof of insurance before move-in.This can be:• Homeowners insurance
• Renters insurance
• A facility-provided policyInsurance protects against fire, theft, and certain types of damage..
Storage companies limit their liability in rental agreements.
They are typically not responsible for:• Water damage
• Theft without forced entry
• Natural disastersInsurance shifts that risk.
Most policies cost:• $8–$20 per month depending on coverage amount.• You may already have coverage through a renters or homeowners policy.
Facility policies are convenient but often basic.Before purchasing, check:• Coverage limits• Deductibles• ExclusionsIf you want help comparing facility terms and fine print before signing, you can see how it works here.