Q1: “Will my homeowner’s policy cover my container?”

A: Many homeowners insurance policies do not automatically cover a shipping container or rental container—especially if it’s outside your main property. Some policies only protect 10% of your personal property if it’s stored off-site. Talk with your insurance agent about adding a detached structure endorsement or a separate rider.

Q2: “What if I’m only renting a container for a short time?”

A: Even if it’s a temporary rental, check if your current policy covers items stored off-premises. If not, you can often buy a short-term endorsement or look into a tenant insurance plan. Also ask if the container company offers “content protection” and compare it to your own policy options.

Q3: “I’m moving with a container—do I need extra coverage?”

A: When using moving containers, your belongings might be covered by your homeowners insurance, but only up to a certain limit. If you’re moving across state lines or storing your items in transit, look into inland marine or transit coverage. This type of policy helps protect against damage on the road or at a temporary site.

Q4: “Should I rely on a container company’s ‘protection plan’?”

A: Many container companies have plans that look like insurance, but they’re often called “protection plans.” These can have strict exclusions (mold, vermin, forced-entry requirements) and may not be regulated like standard insurance. Compare their plan’s details, cost, and coverage limits to what you could add through your own policy or a third-party insurer.

Q5: “I run a small business—what if I store my inventory in a container?”

A: For commercial storage, you’ll likely need a business liability or commercial property policy that covers on-site equipment and your stored items. If you move the container around (for job sites or pop-up events), consider inland marine coverage, which protects mobile property as it travels.

Q6: “Do job site containers need special insurance?”

A: Yes. Job site containers can be a target for theft, with an estimated $1 billion in stolen materials and tools yearly. Your commercial insurance or contractors equipment policy should list the container (if you own it) and include tools and materials stored inside. Otherwise, you risk paying out of pocket if it’s damaged or broken into.

Q7: “What if I buy my own container—does that change my coverage?”

A: Buying a Shipping Container can have cost and tax benefits, but you’ll want to ask your agent to list it as a detached structure on your home or commercial policy. Think of it like adding a shed or ADU (Accessory Dwelling Unit). This ensures the container itself is covered, not just the items inside.

Q8: “Are there any common ‘gaps’ or hidden issues I should know about?”

A: A few red flags to be aware of:

• Forced Entry Clauses: If there’s no cut lock or visible break-in, theft claims may be denied. We recommend always using a lockbox and a lock that specifically fits inside of it (ask our storage team for our favorite container padlock).

• Exclusions for Valuables: Jewelry, firearms, and collectibles often require separate or scheduled coverage. We recommend keeping those items in a locked safe or safety deposit box.