Storage Property Insurance in Quebec — Replacement Cost Protection
Are you moving, going through a separation, going abroad or renovating your home? Storage property insurance protects your residential and commercial household items while they are in a reputable storage facility. This product offers replacement cost coverage, which means your belongings will be replaced at the new price in the event of a loss — not at their depreciated value.
At Assur360, we offer flexible policies ranging from one month to one year, for limits of insurance from $5,000 to $800,000. Whether you’re storing a few boxes or the entire contents of a home, we have the right coverage for your situation.
Get your free quote
Policies from $5,000 to $800,000 — term from one month to one year
Warehousing Quote →Who is this insurance for?
Storage property insurance is designed for people in transition. If your client — or yourself — needs to put some of your belongings in temporary storage, this policy is just the thing for you. Here are the most common situations:
- Moving — between two residences, waiting for your new home
- Major renovations — protecting your furniture and belongings during construction
- Separation or divorce — temporary storage when circumstances change
- Staying abroad — you leave the country and no longer have active home insurance in Quebec
- Estate or settlement — holding of property pending division
- Commercial storage — inventory, equipment or corporate records
📋 Free Tool — Asset Inventory
Before storing your belongings, catalog them with photos and estimated values. In the event of a claim, your inventory will serve as evidence to expedite your claim. Create my inventory for free→
What Storage Property Insurance Covers
This policy provides coverage on the contents only — it does not cover the storage building itself. Coverage applies to residential household items and commercial goods stored within an approved facility.
Assets covered
- Furniture, appliances and household goods
- Personal effects (clothing, books, decorative objects)
- Equipment and Commercial Inventory
- Corporate archives and documents
- Artwork and special collections (separate policy possible)
What is NOT covered
Some items require a separate policy and are not covered by Storage Property Insurance:
- Motor vehicles — cars, motorhomes (RVs), motorcycles, boats, ATVs, snowmobiles
- In-transit contents —no coverage during transportation to the warehouse
- Hazardous materials — chemicals, paint, gasoline, motor oil and flammable items
- Cash and Securities
Liability for privacy
In addition to content protection, privacy liability is available with generous limits:
- RCA limits : $1,000,000 to $5,000,000
- Rental liability included : $500,000
This coverage protects you if a disaster in your unit causes damage to neighboring units or third parties. This is an essential protection that many warehouse tenants overlook.
Deductibles — detailed scale
Deductibles vary depending on the type of goods stored and the amount of coverage:
Personal household goods
| Amount of insurance | Franchise |
|---|---|
| $5,000 to $ | 75,000$100 |
| $80,000 to $ | 200,000$500 |
| $205,000 and over | 1% of insurance limit |
Commercial Properties
- Minimum deductible : $500
Civil liability
- RC Deductible : $250
Submission Process — 3 Simple Steps
Getting your storage property insurance is simple. Here are the steps to follow:
Check Company
Check the list of approved storage companies to confirm that your facility is eligible.
Get approved (if required)
If the company is not on the list, complete the questionnaire with 2 photos (inside the unit + outside the building) for approval.
Complete the application
Once the company is approved, complete your application online. No policy can be issued without the prior approval of the company.
Important: No policy can be put in place without the acceptance of the warehousing company in the first place. This verification ensures that your assets are kept in a facility that meets the required security standards.
Cancellation and refund
Policies may be cancelled upon receipt of a waiver of interest within 30 days of the date of cancellation. Partial refunds are calculated on a short-term basis, with a minimum retention premium of $50. All administrative fees are fully earned and non-refundable.
Why insure your storage assets?
Many people assume that their belongings are protected by the storage company. This is rarely the case. Most warehouse rental agreements explicitly release the company from liability in the event of theft, fire, water damage or vandalism.
- Arson and Accidental Fires — Storage units are destroyed every year in Canada, causing significant losses
- Water damage — seepage, burst pipes or flooding in facilities
- Theft and vandalism — even secure facilities are not immune
- Your home insurance is limited — the off-premises coverage of your home or tenant insurance may not be enough to cover all your stored belongings
Storage for non-residents of Quebec
Are you leaving the country for an extended period of time and no longer have active home insurance in Quebec? Storage property insurance is the ideal solution for non-residents who keep goods in a Quebec warehouse. You have peace of mind while you’re away, knowing that your belongings are protected.
High-value assets and collections
Storage units are also used to store artwork, special collections, wine, and other high-value items. These items may require a policy with additional coverage—our brokers can provide you with coverage specifically for your valuables.
If the value of your items exceeds the standard coverage, you have two options:
- Increase coverage limit — adjust the amount of coverage up to $800,000
- Coverage for high-value items — jewellery, fine art, antiques and special collections with individual appraisal
Frequently Asked Questions — Storage Property Insurance
What types of property are covered by warehousing insurance?
Insurance covers residential household items (furniture, appliances, personal effects) and commercial property (inventory, equipment, archives). Motor vehicles, contents in transit, cash and hazardous materials are excluded.
Are my belongings covered during transport to the warehouse?
No. Storage property insurance does not cover contents in transit. To protect your belongings during transport, talk to your Assur360 broker about additional coverage.
What is the minimum and maximum term of a policy?
Policies are flexible: from a minimum of one month to a maximum of one year. You can cancel within 30 days with a minimum retention premium of $50.
How much insurance can I get?
The amounts range from $5,000 to $800,000. Your broker will help you assess the value of your stored assets to determine the appropriate amount.
Does the storage company need to be approved?
Yes. The establishment must be on the list of approved companies. If this is not the case, you must submit a questionnaire with 2 photos (interior of the unit and exterior of the building) for prior approval. No policy can be issued without this step.
Does this insurance cover the storage building?
No. This font provides protection on content only. The building is the responsibility of the owner of the storage facility.
Doesn’t my home insurance already cover my stored belongings?
Partially. Most home insurance policies offer limited off-premises coverage — often insufficient for the full value of your belongings. In addition, if you have cancelled your home insurance (going abroad, for example), you have no protection.
What is the deductible for personal household goods?
The deductible varies depending on the amount of insurance: $100 for policies between $5,000 and $75,000, $500 for $80,000 to $200,000, and 1% of the insurance limit for $205,000 or more. For commercial properties, the minimum deductible is $500.
Can I insure vehicles in my storage unit?
No. Motor vehicles (cars, motorcycles, boats, ATVs, snowmobiles, RVs) must be covered by a separate policy. Check out our insurance products to find the right coverage.
What is civil liability for privacy?
It is a coverage that protects you if a loss occurring in your unit causes damage to other tenants or third parties. Limits range from $1,000,000 to $5,000,000, including $500,000 of tenant liability.
Need advice? Our AMF-certified brokers guide you free of charge to the best coverage for your stored property. Get your quote online→
