Some policies limit coverage
For instance, some policies limit coverage for off-property losses to 10% of your total insurance policy. In other words, if you currently have $75,000 in personal property coverage under your homeowners policy, your stuff stored off-premises may be capped at $7,500.
Also, don’t expect your homeowners insurance or renters insurance to cover your stored items for loss due to flooding, mold, mildew, earthquakes, rodent or insect damage or negligent maintenance. Additional coverage would be required and may not be available.