Houston Storage Unit Checklist: Before You Sign, Before You Move In

Ask for the street rate (not the promotional rate), the facility's rate increase history over the past 2-3 years, the FEMA flood zone designation, whether climate control includes dehumidification, whether individual units have alarms, and request the full lease agreement by email before visiting so you can review it at home without sales pressure.

Under the Texas Property Code, a storage facility must send you a written notice at least 14 days before auctioning your belongings for non-payment. The total process from first missed payment to auction typically takes 4–6 weeks. You can stop the auction by paying the full amount owed at any time before the auction begins. If the auction generates more money than you owe, you have 2 years to claim the excess proceeds.

Many homeowner's and renter's insurance policies extend coverage to items stored off-premises, typically at 10% of your personal property coverage limit. However, flood damage is almost never covered under standard policies. Check with your insurer before relying on this coverage, and ask about any exclusions for storage facility locations.

Most facilities require proof of insurance coverage. You can either purchase their tenant protection plan ($10-$20 per month) or provide proof of your own homeowner's or renter's policy. Your existing policy is almost always cheaper and provides better coverage. Bring your insurance declaration page when signing the lease.

Active-duty military members are protected under the Servicemembers Civil Relief Act (SCRA). This prevents storage facilities from auctioning your belongings while you are on active duty and for a period after deployment. You may also be able to terminate a lease early without penalty if you receive deployment or PCS orders.