Protection Plan vs. Insurance Coverage: All You Need to Know

Elise Barnett • April 10, 2025

Worry Less with the Right Coverage for Your Unit

It is important to understand that our Protection Plan is not an insurance policy. It is a limited waiver of our liability for covered losses. While it functions similarly to insurance, it is designed specifically for our facility and offers fast, direct support if a claim is needed.


Traditional insurance policies may involve longer wait times, higher deductibles, or limited coverage for offsite storage. Our Protection Plan is simple, affordable, and tailored to storage related risks.


Why Coverage Is Required


To help protect all customers against unexpected loss, every storage unit must have some form of coverage.


American Self Storage does not insure your belongings. This is standard across the self storage industry. Your stored items remain your responsibility, and in the event of damage, theft, or loss, insurance or a protection plan must be in place.


Requiring coverage is not only for facility protection. It gives you peace of mind knowing your belongings have a safety net. Coverage is especially important for paperwork and records, which is why how to properly store important documents and files also plays a role in long term protection.


Why Our Protection Plan Is Recommended


Many homeowners and renters insurance policies either exclude offsite storage or provide limited coverage with high deductibles.


Our Protection Plan is:


  • Designed specifically for storage unit risks
  • Tailored to our facility layout and operations
  • Easy to enroll in without third party insurers
  • Faster and simpler when filing claims


This approach allows issues to be resolved more efficiently when something unexpected occurs. Understanding what is worth protecting often starts with deciding what should you store and what belongs elsewhere.


Our Protection Plan Options


Enrollment is quick and flexible. You can opt in at move in or add the plan at any time by speaking with your site manager.


Plan details include:

  • Starting at $12 per month for $2,000 in coverage
  • Higher coverage limits available up to $5,000
  • Coverage activates immediately once enrolled
  • Automatically renews monthly with rent


What Our Protection Plan Covers


The Protection Plan provides reimbursement for certain covered losses up to your selected limit.


Covered events may include:

  • Fire or smoke damage
  • Water damage
  • Theft with visible signs of forced entry
  • Vandalism


Coverage applies when loss occurs due to negligence or circumstances within our legal responsibility. Most claims have no deductible unless a proper disc or cylinder lock was not used in theft cases.


What Happens if Proof of Insurance Is Not Provided


If proof of third party insurance is not supplied at move in or during the rental period, we may automatically enroll your account in the Protection Plan.


This ensures:

  • Compliance with the rental agreement
  • Continuous protection for your belongings


If you prefer to use your own insurance, you can provide proof of coverage and the plan will be removed.


No Coverage Without Active Payment

Customers storing belongings at storage units in Thomasville NC can choose between approved insurance or our Protection Plan to meet coverage requirements. Protection Plan coverage requires your account to remain current.


If payment is missed:

  • Coverage is suspended
  • Losses during the unpaid period are not eligible for reimbursement


Reinstatement may be possible after payment is brought current, but claims cannot be filed for gaps in coverage.


February 13, 2026
Moving is exciting, but it can also feel overwhelming. Whether you're relocating across town in Knightdale, upsizing in Clayton, downsizing in Chapel Hill, or moving closer to work in Durham or Concord, one thing is certain: moving is the perfect time to declutter. If you’ve lived in your home for more than a few years, chances are you’ve accumulated more than you realize. Taking the time to focus on decluttering before a move can save money, reduce stress, and make unpacking far easier. Here’s how to streamline your move and how self storage can help along the way. Why Decluttering Before a Move Matters 1. Save Money on Moving Costs The more you move, the more you pay. Moving companies often charge based on weight, volume, or time. By eliminating items you no longer need, you can: Reduce the number of boxes Potentially use a smaller moving truck Spend less time loading and unloading Lower overall moving expenses 2. Make Packing More Manageable Packing is significantly easier when you're only boxing up items you actually use and love. Decluttering first prevents you from wasting time wrapping and transporting unnecessary belongings. 3. Start Fresh in Your New Space Moving offers a clean slate. Instead of filling your new home with old clutter, you can start organized and intentional from day one. A Simple Decluttering Plan That Works Trying to declutter your entire home in one weekend can feel impossible. Instead, use a structured approach. Step 1: Start Early Begin at least 4–6 weeks before your move. Start with low-use areas like: Guest rooms Closets Garage storage Attics or basements This builds momentum before tackling everyday spaces. Step 2: Use the Four-Box Method For every room, create four categories: Keep Donate Sell Store If you’re unsure about certain items—especially sentimental pieces or furniture that may not fit your new space—placing them in the “Store” category can reduce decision fatigue. Step 3: Be Honest About Usage Ask yourself: Have I used this in the past year? Does this fit my new home’s layout? Would I buy this again today? If the answer is no, it may be time to let it go. When Self Storage Makes Sense During a Move Sometimes, the timeline of your move doesn’t line up perfectly. You may be: Closing on a home later than expected Downsizing temporarily Staging your house to sell Renovating before moving in In these situations, a storage unit can provide flexibility and peace of mind. American Self Storage serves communities across North Carolina, including: Knightdale Zebulon Clayton Durham Fuquay-Varina Pittsboro Chapel Hill Concord High Point Sanford Harrisburg Having a nearby storage option makes it easier to manage transitions without crowding your home or rushing decisions. Smart Ways to Use Storage During a Move 1. Stage Your Home for Sale Decluttered homes show better. Removing excess furniture, personal items, and bulky décor can make rooms feel: Larger Brighter More inviting Temporarily storing these items offsite can help your home attract buyers faster. 2. Bridge the Gap Between Move-Out and Move-In If you’re waiting on closing dates or lease start times, storage can serve as a secure holding space for your belongings. This prevents: Last-minute scrambling Overloading family or friends' garages Leaving items exposed in moving trucks for extended periods 3. Downsize Without Pressure If you're moving into a smaller home in places like Chapel Hill or Fuquay-Varina, you may not immediately know what fits. Storage gives you time to: Evaluate your new layout Gradually decide what to keep Avoid making rushed decisions you might regret Packing Tips for Moving and Storage If you're placing items in storage during your move, follow these best practices: Do: Label boxes clearly on multiple sides Disassemble large furniture Use sturdy, uniform-sized boxes Create an inventory list Leave a walkway inside your unit Don’t: Store wet or dirty items Overpack boxes until they’re too heavy Stack fragile items at the bottom Organized packing makes it easier to retrieve items later if needed. The Benefits of Choosing American Self Storage Moving is stressful enough. Choosing a clean, secure, and professionally managed storage facility can simplify the process. American Self Storage offers: Multiple convenient North Carolina locations A range of unit sizes Easy access options Secure storage environments Flexible solutions for short-term or long-term needs Whether you're preparing a home for sale in Durham, relocating in Clayton, or transitioning between homes in Concord, having reliable storage nearby can make all the difference. Make Your Move Easier Decluttering before a move isn’t just about getting rid of things—it’s about creating a smoother transition into your next chapter. By planning ahead, organizing intentionally, and using storage strategically, you can reduce stress, save money, and start fresh in your new home. If you’re preparing for a move in North Carolina, American Self Storage is ready to help you create the extra space you need—right when you need it.
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