GOODS IN STORAGE
Storage Property Insurance in Quebec
Moving, renovating, separating, staying abroad: protect your stored belongings with replacement cost coverage from $5,000 to $800,000, flexible policies from one month to one year, and personal liability included up to $5 million.
Storage Property Insurance — 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.
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 or waiting for the delivery of your new home.
Major renovations
Protect your furniture and belongings while working around the house.
Separation or divorce
Temporary storage when a family situation changes.
Staying abroad
You leave the country and no longer have active home insurance in Quebec.
Estate or settlement
Preservation of the property pending the division between heirs.
Commercial Storage
Off-site inventory, equipment, or corporate archives.
📋 Outil gratuit — Inventaire de biens
Avant d’entreposer vos biens, cataloguez-les avec photos et valeurs estimées. En cas de sinistre, votre inventaire servira de preuve pour accélérer votre réclamation. Créer mon inventaire gratuitement →
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
⚠ Important exclusions
- 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
Commercial Property and Liability
- Commercial property — minimum deductible : $500
- Third Party Liability — 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—brokers at our partner firms 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
🛡 Why trust Assur360?
PROTÉGEZ VOS BIENS ENTREPOSÉS
Obtenez votre soumission gratuite
Polices de 5 000 $ à 800 000 $ — d’un mois à un an — réponse en 24 h.
