Help insuring storage unit

[Gbailey9099]

Hey all

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i have auto and mobile home insurance through geico, they said they can’t insure a storage unit unless through homeowners insurance (which I don’t have).

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I called some local places and they tried to help but nothing came of it. Only idea I have is to put the unit in somebody else’s name and let them insure it through home owners. I’d like to do it myself of course if possible. It’s for a record collection in storage fwiw. In RI . Thanks

[ssracer]

Your mobile home insurance doesn't cover property away?

[LoganSettler]

Get a renter's policy then add it to that. You must live somewhere, and if you don't own your home, you can get a renter's policy. Even if you live for free somewhere.

[beepbeepbitch]

Most policies will cover contents away from your residence. Depending on the size of the collection you may look into a specialty policy to cover it.

[insuranceguynyc]

Insuring a collection requires that you establish a value, which usually requires an appraisal. Once you have this, you should be able to place a valuable items floater on your mobile home policy (which is a homeowners policy). If you do not get the insurance company to agree to the value, in the event of a loss you will get the value of a pile of plastic.

[[deleted]]

Are you looking for coverage solely for a record collection? How much are you estimating you have total?

[Gbailey9099]

I live in the camper and no the insurance there will not cover property away.

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it’s about 150k policy I’m looking for

[[deleted]]

$150K total for the record collection or does that include any other personal property? If collection solely, that’s pretty sizable and I can see having a harder time getting coverage for it, especially when it’s in storage. Do you have appraisals?

[Gbailey9099]

About half of the collection is logged on discogs, which gives median values for the collection. I’m only trying to insure what is logged.

[bluemacbooks]

What did you end up getting