Summer Break Storage, Is It Covered?
Every May, parents and students scramble to figure out what to do with dorm furniture, electronics, and personal items during summer break. The most common solution? Rent a storage unit near campus. But that leads to a big question:
Does renters’ insurance still cover your student’s stuff while it’s in storage?
The answer: Sometimes, but not always.
This guide explains when coverage applies, what to watch out for, and whether you should consider separate student storage insurance.
1. Does Renters Insurance Cover Stored Belongings?
Yes, in most cases, a standard renters’ insurance policy includes off-premises coverage, which protects items stored away from the primary residence, such as in a storage unit. However, there are limits.
Common Coverage Scenario:
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Student has an active renters’ policy for an off-campus apartment
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They rent a storage unit over summer break
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Policy covers stored items up to 10% of the total personal property limit
Example:
If your child has $20,000 in personal property coverage, only $2,000 may apply to stored items.
2. What Are the Off-Site Storage Rules?
Every insurance company sets its own rules. Here are typical restrictions to expect:
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10% to 20% cap on personal property stored off-site
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Time limits (e.g., 90 days of storage coverage)
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Theft and fire coverage only (water damage or pests may be excluded)
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Exclusions for high-value items like bikes, instruments, or electronics unless they are scheduled (itemized)
💡 Tip: Read the declarations page and call the insurance provider before assuming coverage extends to storage units.
3. Does Coverage Continue If They Move Out?
It depends on whether your student maintains the policy during the summer. If the renters’ insurance policy is canceled or lapses, then:
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No coverage applies to storage units
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Any claims will likely be denied
This is where things get tricky. Many students cancel renters’ insurance once their lease ends in May or June. But if items are still in storage and the policy is no longer active, there is no coverage.
4. Should You Buy Separate Student Storage Insurance?
In some cases, yes — especially if:
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The storage unit holds valuable electronics, instruments, or gear
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The student’s renters’ policy is being canceled
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You want full coverage, including for water damage or natural disasters
Many self-storage companies offer on-site insurance add-ons, usually for $8–$15 per month. These are not comprehensive renters’ insurance policies, but they can provide protection for stored contents during breaks or moves.
Some student-focused storage services, like Dorm Room Movers or U-Haul Collegeboxes, include insurance in their summer storage plans. Just check the policy limits and exclusions.
5. What If My Student Shares a Storage Unit with a Roommate?
If your child shares a unit with a roommate:
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Each person needs to be listed on a renters’ policy for their items to be covered
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If only one student has renters’ insurance, their roommate’s items are not covered
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Filing a claim can get messy, shared storage raises questions about ownership and value
If possible, keep separate storage units or ensure that everyone has a designated policy.
6. Does Homeowners Insurance Cover Storage Units for Students?
Maybe, but not reliably. Some homeowners’ policies extend limited off-site coverage for dependents away at school. However:
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The limits are usually low (similar to renters insurance — 10% rule)
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The student must be enrolled full-time and under a certain age
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The storage unit must be in the U.S. and not rented long-term
Always check with your homeowners’ insurance agent. If your student is storing high-value items and you don’t want surprises, a separate student storage insurance policy is the safer route.
7. When Does It Make Sense to Switch to a Storage-Only Plan?
Here are scenarios when canceling renters’ insurance and buying storage-only coverage may be the smarter (or cheaper) option:
| Situation | Best Option |
|---|---|
| Lease ends in May and no apartment until fall | Get storage insurance for 3 months |
| Lease continues, but student is away | Keep renters insurance active |
| Moving across the country between semesters | Use a student moving company that includes storage coverage |
| Valuable gear stored (e.g., cameras, bikes) | Add coverage via storage company or schedule items |
8. How to Prepare Before You Store
Before placing items in storage, do these three things:
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Take Photos or Video Inventory — This helps if you ever need to file a claim.
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Label and List Valuables — Keep track of electronics, musical gear, or anything worth over $500.
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Ask the Insurance Provider — A quick call can clarify what is (and isn’t) covered under your student’s current policy.
Explore More Student Insurance Questions:
Conclusion: Peace of Mind While They’re Away
Storage season brings new risks, but also easy solutions. Renters’ insurance may provide limited coverage for off-site items, but only if the policy remains active and your student knows the limits.
If your child is between leases or canceling coverage, a low-cost student storage insurance plan can fill the gap. It is a small price to pay for peace of mind over summer break.