Even with every possible protection in place, no one in this world can guarantee protection against disaster. We do all that we can at Cherokee Self Storage to keep the belongings of our tenants safe. We also ask that our tenants follow the rules we’ve created to maintain a safe environment. If theft, natural disaster, or an unexpected accident gets past even all of these precautions, will the storage company be liable?

In most cases, the answer depends on things like the quality of the storage facility and the rental agreement.

Let’s look at the quality of the facility first. A storage company is essentially a type of landlord. Like a landlord, a storage facility is responsible for creating a safe and secure environment for its tenants. That means providing good lighting for the property and maintaining its structures, including the units, any utilities, and the security fence. If these things are maintained properly, the self-storage company usually isn’t responsible for stolen or damaged items.

On the other hand, if a thief gets into the facility through a damaged section of the fence, the company may be liable for any items stolen due to this negligence.

The rental agreement also factors into whether or not a self-storage company is liable. Lots of storage companies will require that a renter shows proof of insurance over their items before signing a contract. The rental agreement is there to protect both the company and the tenant, and will lay out the rules for the space.

For instance, it will usually mention items that are not allowed in the units, such as flammable and hazardous items. Keeping these away from the facilities reduces the risk of damage to any items on the property. By signing the rental agreement, a tenant is accepting liability for damage or theft that occurs as a result of their own negligence or failure to follow the rules.

Although there are a few instances in which the self-storage company may be liable, it’s best to take coverage into your own hands. Even if a company doesn’t require you to have insurance, you should still consider protecting your items with special self-storage insurance, or checking to see that your current insurance policy will cover your things