We understand that the personal property you store in our storage units is valuable and important to you. However, our storage facility is not responsible for your property while stored at our facility. That is why our lease requires that each tenant maintain insurance coverage on their stored property.
Some, but not all, homeowners' and renters' insurance policies cover property stored in self storage facilities. You should contact your insurance agent to confirm whether your insurance policy will cover the property you store at our facility, and ask your agent about applicable policy deductibles and exclusions.
As a convenience, we make available to our tenants a Self Storage Tenant Insurance Program administered by Xercor Insurance Services LLC. Again, you are not required to purchase insurance through this program, but you are required to maintain insurance. Please see below for answers to Frequently Asked Questions about the Program.
FREQUENTLY ASKED QUESTIONS ABOUT THE SELF STORAGE TENANT INSURANCE PROGRAM
Q: What levels of coverage are available under the Self Storage Tenant Insurance Program?
A: Four levels of coverage limits are offered under the Program: $2,000, $3,000, $4,000 or $5,000. Monthly premiums are $10, $12, $14 or $16, depending on the policy limit you choose.
Q: What losses does the Self Storage Tenant Insurance Program cover?
A: The Program protects your stored property against damage or loss from over thirty perils, including fire, lightning, windstorm, hail, tornadoes, hurricanes and other perils, like burglary and vandalism which is subject to a $100 deductible. For a complete list of covered causes of loss, see the sample certificate of insurance at our facility. You can also obtain a copy of the insurance certificate by contacting the Program administrator, Xercor Insurance Services, LLC, at 1-844-769-2904.
Q: What types of property does the Self Storage Tenant Insurance Program cover?
A: Most types of personal property are covered under the Program. However, there are some exclusions like: firearms, photographic equipment, currency, contracts, securities, lottery tickets, precious metals, jewelry, watches, fur, food, alcohol and other specifically identified exclusions. To see a complete list of the property excluded, see the sample certificate at our facility.
Q: Does the Program cover losses from flood, mold, rodents and vermin?
A: Yes, subject to the $100 deductible for each claim, the Program protects against all of these perils, but with sub-limits:
- $1,000 for loss or damage from flood
- $500 for mold, mildew, fungus, wet or dry rot damage
- $500 for vermin, rodents, moths or insect damage
Q: When does my coverage start? When does coverage expire?
A: Coverage begins when you complete and sign the Enrollment Form and pay the first month's premium. Coverage ends when your rental agreement terminates or you receive notice for failure to pay your monthly premium.
Q: If I'm insured under the Program, how do I file a claim if I suffer a covered loss?
A: All claims for losses should be directed to the Program administrator, Xercor Insurance Services, LLC by calling 1-844-769-2904. You also may submit a claim through Xercor's website, www.xercor.com.