The short answer
Renters policies extend contents coverage to off-premises locations, typically at 10% of your contents limit (some policies 100%). Covered perils mirror on-premises — fire, theft, water damage, vandalism. Excluded perils (flood, earthquake) apply the same way. Facility 'insurance' offered at the counter is usually narrower and costs more per dollar of coverage.
Frequently asked
- Does the facility need my policy info?
- Some require proof of coverage — a certificate of insurance from your renters carrier satisfies them.
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