{"id":16521,"date":"2026-08-19T14:03:31","date_gmt":"2026-08-19T11:03:31","guid":{"rendered":"https:\/\/pelican.fi\/home-insurance-does-not-cover-everything\/"},"modified":"2026-11-03T15:39:20","modified_gmt":"2026-11-03T13:39:20","slug":"home-insurance-does-not-cover-everything","status":"publish","type":"post","link":"https:\/\/pelican.fi\/en\/home-insurance-does-not-cover-everything\/","title":{"rendered":"Home insurance does not cover everything"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16521\" class=\"elementor elementor-16521 elementor-11192\" data-elementor-post-type=\"post\">\n\t\t\t\t<section class=\"elementor-element elementor-element-f44ac69 e-con-full e-flex e-con e-parent\" data-id=\"f44ac69\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3f3952b e-flex e-con-boxed e-con e-child\" data-id=\"3f3952b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bbe8c0 elementor-align-left elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"7bbe8c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pelican.fi\/en\/tips-and-advice\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Back to tips and advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-667ea1b1 hero-blur e-flex e-con-boxed e-con e-parent\" data-id=\"667ea1b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-141170f1 elementor-widget elementor-widget-heading\" data-id=\"141170f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Home insurance does not cover everything<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-489e246 e-flex e-con-boxed e-con e-parent\" data-id=\"489e246\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d6ff9a e-con-full text-content e-flex e-con e-child\" data-id=\"5d6ff9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-350229c elementor-widget elementor-widget-text-editor\" data-id=\"350229c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>Insurance during storage \u2013 are your belongings insured?<\/h3><p>Many people rely on home insurance to cover damages even when items are stored in a basement, garage, or storage unit. However, this is not always the case, as home insurance may have limitations.<\/p><p>Water damage, moisture, fires, and theft can cause significant damage to stored items. Therefore, it is advisable to check your insurance terms and consider where your belongings are best preserved.<\/p><h3>When home storage is not the best solution<\/h3><p>When there is not enough space at home, a basement or garage may seem like an easy solution for storing furniture, sports equipment, and seasonal items, for example.<\/p><p>However, not all storage spaces offer equally good conditions. Moisture, temperature fluctuations, and water damage can particularly damage furniture, textiles, books, and electronics.<\/p><p>In addition, home insurance compensation amounts and terms may vary depending on where the items are stored.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc2401 elementor-widget elementor-widget-text-editor\" data-id=\"2cc2401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>5 things to consider when storing your belongings<\/h3><p><strong>1. Check your insurance coverage<\/strong><br\/>Find out if your home insurance also covers items stored outside the home and what limitations apply to the insurance.<\/p><p><strong>2. Consider moisture and water damage<\/strong><br\/>Basements and garages can be exposed to moisture and water. Choose a storage location where your belongings stay dry.<\/p><p><strong>3. Pack your items carefully<br\/><\/strong>Use sturdy moving boxes and appropriate packing materials. Protect fragile items and label the boxes clearly. Protect all textiles with plastic.<\/p><p><strong>4. Think about what you are storing<br\/><\/strong>Consider the value, material, and storage needs of the items. Furniture, textiles, and electronics especially benefit from dry storage conditions.<\/p><p><strong>5. Choose a suitable storage unit<\/strong><br\/>A dry, heated, and monitored storage unit can be a good option for items you do not want to keep at home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5922fa0 elementor-widget elementor-widget-text-editor\" data-id=\"5922fa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>A storage unit offers better storage conditions<\/h3><p>Pelican&#8217;s storage units are dry, heated, and monitored by cameras. They offer excellent conditions for storing furniture, clothes, moving boxes, and other items.<\/p><p>You can access the storage units every day of the year from 05:30 to 22:00, allowing you to drop off and pick up your items flexibly.<\/p><p><a href=\"https:\/\/pelican.fi\/en\/locations\/\">Find a storage unit<\/a><\/p><h3>Insurance when storing items at Pelican<\/h3><p>When renting a storage unit, it is important to ensure that the stored items are also properly insured.<\/p><p>At Pelican, you can get information about storage-related insurance and insurance terms. Always check what kind of insurance coverage is suitable for the items you need to store.<\/p><p><a href=\"https:\/\/pelican.fi\/en\/insurance-at-pelican\/\"><strong>Read more about insurance at Pelican<\/strong><\/a><\/p><h3>Take care of the items you want to keep<\/h3><p>Good storage is not just about extra space. It is also about ensuring your belongings stay in good condition and are available to you when you need them.<\/p><p>By packing your items carefully, checking your insurance coverage, and choosing a suitable storage location, you can store your belongings more securely for both short and long periods.<\/p><p>In our store, you can purchase high-quality <a href=\"https:\/\/pelican.fi\/en\/moving-and-packing-supplies\/\">packing and moving supplies<\/a> to protect your belongings during transport and storage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3348624 e-con-full e-flex e-con e-child\" data-id=\"3348624\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6f6056 elementor-widget elementor-widget-shortcode\" data-id=\"c6f6056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"17400\" class=\"elementor elementor-17400 elementor-11979 elementor-11979\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e33a7d8 e-con-full e-flex e-con e-child\" data-id=\"e33a7d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-083d76c e-con-full e-flex e-con e-child\" data-id=\"083d76c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67512c8 elementor-widget elementor-widget-heading\" data-id=\"67512c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Need Storage Space?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6462f3 elementor-widget elementor-widget-text-editor\" data-id=\"a6462f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Find the nearest location, rent online, call, or book a viewing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1311b4 e-con-full website-actions e-flex e-con e-child\" data-id=\"f1311b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b06661f elementor-widget-mobile__width-initial site-btn--simple btn-website-action website-action--first js-call-me-button elementor-widget elementor-widget-button\" data-id=\"b06661f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"call-me-button-widget\" data-help-popup-target=\"booking-help-popup-callback\" aria-controls=\"booking-help-popup-callback\" aria-expanded=\"false\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M2.25 6.75C2.25 15.034 8.966 21.75 17.25 21.75H19.5C20.0967 21.75 20.669 21.5129 21.091 21.091C21.5129 20.669 21.75 20.0967 21.75 19.5V18.128C21.75 17.612 21.399 17.162 20.898 17.037L16.475 15.931C16.035 15.821 15.573 15.986 15.302 16.348L14.332 17.641C14.05 18.017 13.563 18.183 13.122 18.021C11.4849 17.4191 9.99815 16.4686 8.76478 15.2352C7.53141 14.0018 6.58087 12.5151 5.979 10.878C5.817 10.437 5.983 9.95 6.359 9.668L7.652 8.698C8.015 8.427 8.179 7.964 8.069 7.525L6.963 3.102C6.90214 2.85869 6.76172 2.6427 6.56405 2.48834C6.36638 2.33397 6.1228 2.25008 5.872 2.25H4.5C3.90326 2.25 3.33097 2.48705 2.90901 2.90901C2.48705 3.33097 2.25 3.90326 2.25 4.5V6.75Z\" stroke-width=\"1.875\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a Callback<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1f8a45 elementor-widget-mobile__width-initial site-btn--simple btn-website-action website-action--first pelican-find-storage elementor-widget elementor-widget-button\" data-id=\"a1f8a45\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"find-storage-button-widget\" data-help-popup-target=\"booking-help-popup-callback\" aria-controls=\"booking-help-popup-callback\" aria-expanded=\"false\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M21.0235 11.05V19C21.0235 19.55 20.8277 20.0208 20.436 20.4125C20.0443 20.8042 19.5735 21 19.0235 21H5.0235C4.4735 21 4.00267 20.8042 3.611 20.4125C3.21933 20.0208 3.0235 19.55 3.0235 19V11.05C2.64017 10.7 2.34433 10.25 2.136 9.7C1.92767 9.15 1.9235 8.55 2.1235 7.9L3.1735 4.5C3.30683 4.06667 3.54433 3.70833 3.886 3.425C4.22767 3.14167 4.6235 3 5.0735 3H18.9735C19.4235 3 19.8152 3.1375 20.1485 3.4125C20.4818 3.6875 20.7235 4.05 20.8735 4.5L21.9235 7.9C22.1235 8.55 22.1193 9.14167 21.911 9.675C21.7027 10.2083 21.4068 10.6667 21.0235 11.05ZM14.2235 10C14.6735 10 15.0152 9.84583 15.2485 9.5375C15.4818 9.22917 15.5735 8.88333 15.5235 8.5L14.9735 5H13.0235V8.7C13.0235 9.05 13.1402 9.35417 13.3735 9.6125C13.6068 9.87083 13.8902 10 14.2235 10ZM9.7235 10C10.1068 10 10.4193 9.87083 10.661 9.6125C10.9027 9.35417 11.0235 9.05 11.0235 8.7V5H9.0735L8.5235 8.5C8.45683 8.9 8.54433 9.25 8.786 9.55C9.02767 9.85 9.34017 10 9.7235 10ZM5.2735 10C5.5735 10 5.836 9.89167 6.061 9.675C6.286 9.45833 6.4235 9.18333 6.4735 8.85L7.0235 5H5.0735L4.0735 8.35C3.9735 8.68333 4.02767 9.04167 4.236 9.425C4.44433 9.80833 4.79017 10 5.2735 10ZM18.7735 10C19.2568 10 19.6068 9.80833 19.8235 9.425C20.0402 9.04167 20.0902 8.68333 19.9735 8.35L18.9235 5H17.0235L17.5735 8.85C17.6235 9.18333 17.761 9.45833 17.986 9.675C18.211 9.89167 18.4735 10 18.7735 10ZM5.0235 19H19.0235V11.95C18.9402 11.9833 18.886 12 18.861 12H18.7735C18.3235 12 17.9277 11.925 17.586 11.775C17.2443 11.625 16.9068 11.3833 16.5735 11.05C16.2735 11.35 15.9318 11.5833 15.5485 11.75C15.1652 11.9167 14.7568 12 14.3235 12C13.8735 12 13.4527 11.9167 13.061 11.75C12.6693 11.5833 12.3235 11.35 12.0235 11.05C11.7402 11.35 11.411 11.5833 11.036 11.75C10.661 11.9167 10.2568 12 9.8235 12C9.34017 12 8.90267 11.9167 8.511 11.75C8.11934 11.5833 7.7735 11.35 7.4735 11.05C7.1235 11.4 6.77767 11.6458 6.436 11.7875C6.09433 11.9292 5.70683 12 5.2735 12H5.161C5.11933 12 5.0735 11.9833 5.0235 11.95V19Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Find Storage<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b964130 e-flex e-con-boxed e-con e-parent\" data-id=\"b964130\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59b2707 elementor-widget elementor-widget-html\" data-id=\"59b2707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script defer async src='https:\/\/cdn.trustindex.io\/loader.js?c0efa7082785013acd16c6bfb05'><\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Insurance during storage \u2013 are your belongings insured?<br \/>\nMany people store furniture, clothing, sports equipment, and other property in a basement, garage, or shed. But do you know how your belongings are insured if they are damaged by, for example, water, fire, or theft?<\/p>\n","protected":false},"author":10,"featured_media":9450,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[66],"tags":[],"class_list":["post-16521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips-and-advice"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Home insurance does not cover everything | Pelican<\/title>\n<meta name=\"description\" content=\"Many people believe that home insurance covers damages even when items are stored in a basement, garage, or storage unit. 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