Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Sep 13, 2020

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Key takeaways...

  • When you purchase storage insurance for your car, you are purchasing protection for times your car is not on the road
  • This policy type is traditionally comprehensive coverage, a coverage choice that helps you recover from losses that are not related to a collision
  • If you carry storage coverage on your car, you normally do not meet the insurance requirements to operate your vehicle on the road
  • Damages that could be covered under storage coverage would include weather-related damages, theft, vandalism, or even animal-related damages
  • Any claims that you file under this policy will normally carry a deductible, which you will be required to cover in the event of a claim settlement

Choosing to protect your car when it’s being stored off the road is an important decision; this can help you recover from losses that you did not anticipate.

When you choose to store your vehicle for a long period, there are still unanticipated risks that can result in the need to repair or replace your vehicle. Storage coverage may be the best option to meet your needs and to protect your unused vehicle.

Compare quotes for storage coverage today by entering your zip code above.

What Storage Coverage Provides

If you purchase storage coverage for your vehicle, one of the most important things is understanding what your policy will cover.

Comprehensive coverage is policy option that protects your vehicle from other-than-collision losses, and storage coverage is a policy composed entirely of comprehensive coverage.

Storage coverage policies normally apply to your vehicle when it is being stored off-road, such as in a garage or storage facility. This means that your car is protected in the event of unforeseen damages or losses:

  • Hail
  • Fire
  • Animal-related damages

Storage coverage would also provide protection in the event your vehicle is vandalized or stolen.

The unique aspect of storage coverage is that the policy only contains this one coverage option, meaning you cannot operate the vehicle without switching to a state-required minimum policy.

If you are going to have your vehicle stored off-road for an extended period, storage coverage may be the best option to meet your needs.

However, if you are going to be taking your car on and off the road frequently, you may want to speak to your insurance carrier about alternative options.

Additionally, speak to your insurance carrier about any terms, conditions, or exclusions that apply before you purchase your storage coverage.

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Cars That Need Storage Coverage

Storage coverage is an option that you should consider, but it may not be the right option to meet your needs. Before choosing to purchase storage coverage, there are a couple of things to consider and some questions you should ask your insurance carrier.

First, take your car’s current value, future anticipated value, and the cost of replacement into account.

Whenever your insurance carrier reviews a claim, they normally need to determine the replacement or repair costs, and they may view your vehicle from a different perspective than you do.

If your insurance carrier does not assign a high enough value to your vehicle, you may not be able to get a loss covered under storage coverage.

Additionally, if your car is only off the road for a short period, then switching to a storage coverage policy may not be the best choice for you.

Storage coverage is written with the idea that a car is being stored off the road for an extended period and that it needs protection from the unexpected.

If you are going to be away from home for a few weeks, for instance, storage coverage may not be necessary. On the other hand, if you plan to be gone for six months, then storage coverage may be a better choice to meet your needs.

You also need to take into account any potential deductible you will be responsible for; the deductible is a set amount of your loss that you are responsible for covering. The deductible applies to comprehensive coverage, which means it also applies to storage coverage policies.

When you are looking at deductible options for your policy, it’s crucial that you choose a dollar amount you can manage for any covered loss.

Comprehensive and storage coverage losses are often settled for lower dollar amounts compared to collision losses; due to the lower number of affected parties.

It’s important to remember that if the damages to your car are lower than your deductible amount, your insurance carrier is under no obligation to help you recover from the loss.


Maintaining an active car insurance policy is almost always a requirement for your car, but if you’re storing your car off the road, it may still be important.

Storage coverage is a policy type that helps protect you and your car from unforeseen losses that occur while your car is being stored someplace off-road; this may be:

  • Your garage
  • A storage facility
  • Another approved location

Choosing to purchase storage coverage is a smart decision for vehicles that may be increasing in value as they grow older, vehicles that are being upgraded, or for individuals that cannot afford to completely repair or replace their vehicle on their own.

It’s important that you speak to your insurance carrier about storage coverage and what options they offer as some providers may have different stipulations that you must meet to qualify.

Compare car insurance quotes today and see how much you could save.