If the value of your stored items is greater than your off-premises coverage, you may want to consider options that may help further protect your belongings in a storage unit.

Increased coverage limits: If your off-premises coverage is a fraction of your personal property coverage, you may wish to increase your personal property coverage limit in your homeowners insurance policy. That may result in an increased limit for belongings while those items are away from your home.
Increased coverage for high-value items: If you intend to place highly valuable items, such as art or jewelry, in a storage unit, the III says you may want to purchase scheduled personal property coverage to specifically protect those items.
Self-storage insurance: Some storage facilities may offer insurance that may help protect your belongings, either as part of your contract or for an additional cost, the III says.

To help decide whether you may benefit from additional coverage for items in a storage facility, read your policy or talk to your insurance provider to determine how your belongings may or may not be covered while in storage.