I'm placing some items in a self-storage facility. Will they be covered under my homeowners insurance policy? Answer: Your homeowners insurance policy provides coverage for your personal property anywhere in the world, subject to the special limits of liability under Coverage C and the policy's exclusions and conditions. Since these exclusions include losses from perils that might especially pertain to stored items, including water back-up or flooding, rodents, insects, and earthquakes, make sure you understand what's covered and what's not before placing any items in storage. Check your policy or call your agent if you have any questions.