When Your Car Is In Storage: Insurance Considerations

​There may be instances when you need to store your car for an extended period, such as during a deployment, seasonal non-use, or restoration projects. While your car is in storage, it's important to consider the insurance implications. Many car owners in Houston, TX, are unaware that their regular auto insurance policies may not provide adequate coverage during storage. In this blog, we will explore important insurance considerations to keep in mind when your car is in storage, ensuring you have the right coverage and peace of mind.

1. Evaluate Your Coverage Needs:
   Before placing your car in storage, carefully evaluate your insurance coverage needs. Determine whether you need comprehensive coverage, which protects against non-collision-related damages like theft, vandalism, or weather-related incidents. If you're storing a valuable or classic car, comprehensive coverage is usually recommended to safeguard against potential risks.
   
   
2. Notify Your Insurance Provider:
   It's crucial to notify your insurance provider when your car will be in storage for an extended period. Inform them about the start and end dates of the storage period, along with the storage location. By providing this information, your insurance provider can make the necessary adjustments to your policy or suggest alternative coverage options tailored to your specific situation.
   
   
3. Explore Storage-specific Insurance:
   In some cases, your regular auto insurance policy may not provide sufficient coverage during storage. Explore storage-specific insurance options that are designed to protect your vehicle when it's not in use. Storage insurance typically focuses on comprehensive coverage, providing protection against risks specific to storage environments. Consult with your insurance provider in Houston, TX, to determine if storage-specific insurance is recommended for your situation.
   
   
4. Consider Liability Coverage:
   Even when your car is in storage and not being driven, it's important to consider liability coverage. Liability coverage protects you financially in case your stored vehicle causes damage or injury to others. Discuss with your insurance provider to understand how liability coverage works during the storage period and whether adjustments need to be made to your policy.
   
   
5. Secure Your Vehicle:
   When storing your car, take necessary security measures to minimize risks and potential insurance claims. Ensure the storage location is secure and well-protected. If possible, park the vehicle in a covered or enclosed area. Consider using additional security devices, such as steering wheel locks or car alarms. Taking these precautions not only helps protect your vehicle but may also be advantageous when discussing insurance coverage with your provider.
   
   
6. Review Policy Terms and Conditions:
   Before storing your vehicle, carefully review your auto insurance policy's terms and conditions. Pay attention to any clauses related to storage, non-use, or changes in vehicle status. Understanding the policy's specific requirements and limitations will help you comply with the necessary obligations and maintain appropriate coverage during the storage period.

Conclusion:
When your car is in storage, taking the right insurance considerations is essential to protect your investment and mitigate potential risks. Evaluate your coverage needs, notify your insurance provider, and explore storage-specific insurance options if necessary. Don't overlook liability coverage and ensure you take appropriate security measures to safeguard your vehicle. By reviewing your policy terms and conditions and consulting with your insurance provider in Houston, TX, you can ensure that you have the appropriate coverage and peace of mind during the storage period.


​At Auto Express Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (832) 232-4655. You can also request a free quote by CLICKING HERE.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​