What’s the best self-storage tenant’s insurance coverage?

You may be aware that your self-storage facility is insured but that does not mean the facility’s insurance covers your belongings held within the facility. You need your own insurance for your storage unit, and at Storage Protectors, we offer the best self-storage tenant’s insurance coverage available.

Storage Protectors protects storage belongings from damage or theft, better than your homeowner’s insurance policy. Storage Protectors coverage is broader, more extensive, and remains separate from homeowner’s insurance.

Why not homeowner’s insurance?

Speak with your homeowner’s insurance brokerage to be clear of their policies. Typically, their coverage for off-site contents is up to 17% of your homeowner’s insurance plan. Sometimes, this coverage will be limited in duration, often lasting for only 90 days

Separate insurance, separate risk

Insurance for your storage unit should come from a coverage program specifically designed for your storage needs from a certified and licensed provider. There are a number of advantages to utilizing a tenant content insurance plan beyond the amount and length of coverage.

Having a separate plan for your storage belongings means if something was to happen and a claim made, this would not risk the cancelation of your homeowner’s policy, which is the case if these are covered by the same plan. With a self-storage tenant’s insurance plan, these remain separate, and one does not affect the other. This can make a significant difference if a claim was ever required.

Having a separate plan also means that you will not find yourself in the position of needing to add extra coverage to your homeowner’s plan, or an insurance rider to it.

Protection in transit

With the Storage Protectors self-storage contents coverage and damage waiver program, your belongings are covered when in transit as well, which is not the case with any homeowner’s insurance plan. Given transit is a necessary component for moving your belongings to the self-storage facility or if you are considering mobile or portable storage, having your content protected from damage or theft to, from and during transit, is an important factor when protecting your storage unit.

Why not the tenant’s content insurance coverage my facility offers?

Most self-storage facilities today make it mandatory for their tenants to insure their belongings at the facility. Facilities offer coverage options at move-in, making it convenient for tenants to sign up for a coverage plan. These protection plans may be more expensive than an independent broker’s and it’s worth looking into a variety of options before making any formal arrangements.

Before agreeing to any insurance coverage, make sure that those who are selling to you are indeed a licensed broker. Some facilities offer insurance coverage, but do not actually have the license to do so. If something was to happen and a claim was required, your contents may in fact not actually be covered in these instances.

Storage Protectors' Contents and Container Damage Programs are underwritten by Clear Spring Property and Casualty Insurance., a subsidiary of Munich RE, the 2nd largest reinsurance company in the world. You can rest assured that your claims will be processed and taken care of diligently.

The best self-storage tenant’s insurance coverage

At Storage Protectors, we are confident our coverage is the best self-storage tenant’s insurance coverage available, both in cost and in scope and flexible to your needs. We are leaders in our industry with clients worldwide using our services.

We provide contents and damage waiver coverage insurance for mobile storage containers, self-storage units, mobile offices, vehicles, and storage trailers in the United States, Canada, New Zealand and the UK.

Whether located at a storage facility, home, in transit, or at a commercial business location of where a lessee is paying rent, we have your storage contents covered.

Have questions?

Take a look below at our answers to FAQ regarding self-storage tenant’s insurance. If you have questions please give us a call today at (480) 900-8300, email [email protected] or contact us.

Self-storage facilities and Mobile Storage Container Leasing companies do not automatically insure your stored property. The SP Contents Program provides economical coverages which add an additional layer of protection for your stored belongings. Purchasing SP Contents Coverage alleviates concerns regarding potential losses associated with unanticipated incidents of loss.

Covered property includes belongings stored within a mobile storage container or self- storage unit being rented per a valid rental agreement. Covered causes of loss include but are not limited to burglary, water damage, vandalism, and fire or lightening.

Homeowner’s Insurance may or may not cover your stored property. Consult your homeowner’s policy or contact your insurance agent to determine if it’s in your best interest to use it. In most cases, extra coverages or a rider may need to be added on to your homeowner’s policy to insure contents coverage for your stored property. Homeowner’s policies commonly have high deductibles (typically between $1,000 to $3,000) and extensive surcharge periods (typically 3 years) which can deter you from filing claims.

Most personal, business, and commercial goods stored are eligible for coverage.*

*These descriptions of coverage are for informational purposes. The policy itself should be read for coverages, terms, conditions and exclusions. Click here for more information about covered property here.

Currencies, liquid and illiquid securities, animals, reptiles and birds, firearms, jewelry, furs, pelts and fur garments are examples of uncovered property types. Click here for a compressive list of uncovered property types.

Theft occurs when someone takes property not belonging to them. Burglary occurs when someone takes property not belonging to them by forced entry; by way of example, by cutting a lock or breaking a hasp. The SP Contents Program only covers burglary.

No, flooding damage is not covered. Flood insurance can be purchased from the Federal Government. Rainstorms, windstorm, hail and roof drain damage are covered under the SP Contents Coverage policy. Click here for more information.

The maximum Program contents coverage amount offered is $20,000. Higher contents coverage amounts are available. Please email [email protected] or call (480) 900-8300 for more information.

SP’s Contents Coverage is a month to month, pay-with-rent program. Coverage renews every month upon payment of rent and the monthly SP program fee. Coverage stops when rent and/or your SP Program fee is not paid.

You can enroll in the SP Contents Coverage here. You can also enroll at a participating you will receive a certificate of insurance via email Container Rental Company or Self Storage facility.

Report a claim can by filing out our claim forms here. Inquire about claims by emailing [email protected] or calling (480) 900-8300.

Yes. You will receive a Certificate of Insurance and a copy of your declarations page by mail. You may also receive copies by emailing [email protected] or calling (480) 900-8300.

Contact Options

  • Storage Protectors
    2345 E Thomas Rd, Suite 145
    Phoenix, AZ 85016-7848
  • (480) 900-8300
  • [email protected]

Why Storage Protectors?

Storage Protectors' policy is underwritten by Clear Spring Property and Casualty Insurance rated ‘A’ (Excellent) by A.M. Best and insures customers':

  • Personal stored items
  • Business belongings and contents
  • Commercial materials and goods

This description of coverage is for information purposes only. The actual policy should be read for details on coverages, conditions and exclusions