What does storage insurance cover on a car?

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Important facts to know...

  • Storage insurance is a type of auto insurance policy that protects your car when it’s not on the road
  • This coverage type is normally just comprehensive coverage — an additional coverage option that covers most non-collision damages
  • If you have storage coverage on your vehicle, you usually are not able to drive your vehicle before getting a traditional auto policy in force again
  • Storage insurance policies cover damages that result from events not related to a collision, such as hail damage or damage caused by rodents
  • Just like comprehensive coverage claims, any claims you file under your storage insurance policy may have a deductible you are required to pay before coverage applies

Protecting your vehicle from unexpected damages is an important thing to consider. This applies to your car even when it’s being stored off the road, such as during the winter or when you’re on a long-term trip.

A storage insurance policy may be the insurance option you need to protect your car from the unexpected; as long as you do not operate the vehicle.

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What does storage insurance cover on your car?


Storage coverage is traditionally an auto insurance policy that is comprised of comprehensive coverage; a coverage option that protects against damages not caused by a collision. Storage coverage normally applies to your vehicle while it is being stored off the road, such as in a garage or other storage facility.

When you have a storage insurance policy on your car, you are protecting your car from damages that are unexpected, such as hail damage, water damage, or even damages from animals such as rodents. 

Comprehensive coverage protects your vehicle in the event of weather-related damages, animal-related damages, theft, vandalism, fire, and other loss types.

If you plan to leave your vehicle off the road for an extended period, then storage coverage may be right for you. If you have a current provider, speak to them about the options they have available for your needs.

If you are looking for a provider to sell you storage coverage, make sure to understand the conditions of this policy and any exclusions to the covered losses.

Does your car need storage coverage insurance?


While storage coverage insurance is an option, your vehicle may not need it. There are a couple of things to consider when trying to determine if storage insurance is right for you.

First off, consider your car’s value and the cost of replacement. When your insurance provider is reviewing a claim, they may determine replacement or repair cost differently than you would.

This means that you need to figure in your car’s repair costs, replacement cost, and market value when deciding.

Also, if your car is only going to be off the road for a short amount of time, then storage coverage may not be right for you. Storage coverage insurance is designed to meet the needs of a vehicle being stored off the road that needs to be protected.

If you are going away for a couple of weeks, then storage coverage may not be a necessity. However, if you are going to be gone for three months, then you may want to consider a storage coverage policy.

Your car’s insurance deductible is going to be another item to consider when looking at storage coverage.

The deductible is a set amount, usually a dollar value or a percentage of your loss, that you are responsible for covering when you file a claim. The deductible applies to comprehensive coverage, which means it will normally apply to storage coverage claims as well.

When selecting a deductible for your coverage, it’s important to choose an amount you can afford for any claim that you file. Comprehensive claims are often lower in settlement costs than collision claims, due to the amount of damage that occurs as well as the number of parties involved.

If the damage amount that has occurred to your vehicle is lower than your deductible, your insurance provider may not provide any coverage.



Having an active insurance policy on your car is important, even when your car is in storage off the road. Storage coverage is an option that helps protect your car from incidents that can occur at any time, making it a valuable investment in your vehicle’s future.

Make sure to speak to your insurance provider about their storage policy options, since each provider may have different requirements that you must meet.

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