As mentioned, I have multiple units all for vintage computers and video games/consoles. Another couple for home/family/work stuff. Homeowners insurance covers damage/destruction/loss same as if it was in the house. A basic inventory and copious amounts of photos was all that was required to add the value of the items to the policy. I’ve used three different companies over the past 12 years. Two of them chains and one privately owned. None have ever forced me to use their insurance. The one I’ve been with the past 6ish years is not only reasonably priced and great people, but it’s literally less than 5 minutes from my house (and conveniently located across the street from the firehouse, so hopefully any fire disaster would be quickly extinguished!!) Tony