Is the storage room covered by my insurance? The most normal answer would be yes. A theft in a storage room is usually covered by a home insurance policy. Nevertheless, it will be necessary to see what policy we have, with what coverages and what limits it protects us. We are going to see how to act in these cases, since it is usually a headache when this happens. If you have doubts about your insurance, we leave you with this list of the best home insurance policies.
What to do when a storage room is burglarized?
This is happening more and more, especially in summer, when homes are unoccupied due to vacations. In addition, more than one is usually stolen, so that several neighbors are affected on many occasions.
This will be important, since in any case, a complaint must be filed at the police station. This can be done by each neighbor or by the administrator or president of the community, if there are several people involved.
With this report, it is provided to the company, together with a photo showing the damage and, if something was stolen, the list of things together with their valuation (and if they are high amounts, it is advisable to present purchase invoices). The typical case is that of the bicycles in the storage room, it would not be superfluous to have the purchase receipt.
Does home insurance cover theft in a storage room?
There is usually no insurance for storage rooms, but there is a home insurance that covers this space. It is very usual that the home insurance covers the storage rooms that are located in the own building of the insured house (be careful if we have rented a storage room in another building, since it would be necessary to communicate it to our company so that it was covered by a clause).
However, it is increasingly common for community insurance companies themselves to community insurances to repair the doors of the storage rooms when they have been forced, since they are considered common areas. For that reason we said before that the form of acting varies when there is only one affected or several.
In any case, the contents of the storage room will be paid for by the home insurance, not the community insurance, since the contents of the storage room are private.
Is there any limitation in the home insurance for storage rooms?
Here the casuistry does vary considerably. Each company establishes different limits, that is why we like to ask when quoting a home insurance, if goods of a certain value are kept in the storage room: bicycles, skis, furniture…
- We find companies that limit coverage in the storage room to 600-1,000-1,500 euros. With that amount, many families would make short work if one day they were to be burglarized.
- However, there are companies that do not differentiate between the contents in the dwelling or the storage room, or that apply a % of the total contents. Usually between 10-20%. Many others also allow you to increase the limit mentioned above, but you must request it yourself.
As we were saying, at PIB Group Iberia we like to be aware of this type of details. This, together with the assistance to the insured in the event of a claim, make the difference in the added value that we provide to our clients, compared to having the insurance directly with an insurance company. If you want to pay the same or less, but be better protected, contact us, and enjoy a home insurance that does protect you and yours.
