If you have storage room or garage / storage, we recommend that you check if your home insurance covers it, and above all, until capital offers you coverage.
In some insurance, storage rooms are included by default, to be seen as part of the continent, engulfing within the completion of outbuildings such as cellars, garages, and woodshed.
In others, you have to include them.
Next, we will analyze two important points to consider regarding storage and our home insurance:
Coverage limits and storage rooms in the home insurance
Most companies (not all), limit the capital of storage contents of a specific and / or a maximum% of total content, which in many cases is usually insufficient.
Even companies exist that limit a maximum intended.
The most substantial and covetable objects (for thieves), which is usually stored in the storage rooms are bicycles. In some cases, we have found customers whose bikes (stored in the attic) exceeded € 3,000.
If this is your case, and can not find a company that meets your needs assurance, we recommend that you keep your bicycle or another object of high value (jewels are excluded in storage) in your home instead of storage, or that you take out Bicycle insurance including theft coverage.
However, it must be said that there are companies, the few that do not apply any limit on storage, ie, if you have covered a content of 30,000 € in total in your home, apply the limit altogether, both for housing and for outbuildings.
Through our full comparison of home insurance, you can analyze the covered limit on storage, in 5 of the leading insurance companies in the sector.
Location of storage
The vast majority of home insurance only allows secure storage, as long as they are located in the same building / housing building the (in case of villas, within the private plot). Luckily there are companies that cover storage regardless of where they are located, obviously within reason, which is that are located at least in the same population. In these cases they allow policy reflect the exact location of storage.
many cases of people who assumed that his storage room located in another different from your home place, was covered by your home insurance are given, and when they have had an accident, such as a robbery, and have been notified to his company found a nasty surprise.
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