Tenant Insurance
We are pleased to offer our customers Tenant Insurance. It’s offered as a month-to-month policy with the premium paid along with your rent. Our insurance program, provided by StorSmart Tenant Insurance, is affordable, convenient, and specifically designed for self storage.
 
StorSmart Insurance = Extra Protection
 
Even the most secure and well-built structures can be damaged by catastrophe. As an added option to protect your valuables, we have partnered with StorSmart Insurance, a leading self-storage contents insurance provider. StorSmart Insurance is committed to providing an easy contents insurance solution with great coverage, affordable premiums and a low deductible. If you choose the StorSmart Insurance option, you can purchase as little as $2,000 or as much as $20,000 of coverage. Please review the major covered perils and pricing listed below. If you have specific insurance coverage questions, feel free to contact StorSmart Insurance directly at 1-888-545-SMART or via email at info@storsmartinsurance.com.
Frequently Asked Questions:
 
Q. Why do I need insurance?
A. Since we do not know what you are storing and do not take custody of it (it's your lock and key) we are not liable for any damage to your property. In other words, our insurance covers damage to the building and Tenant Insurance covers your belongings.
 
Q. What does this insurance cover?
A. It protects you against damage to, or loss of, your property from 32 different causes, including fire, earthquake, and burglary. There are some qualifications and exclusions. Please make sure to review the policy terms. A copy of the Certificate of Insurance or Policy is available at your facility's office.
 
Q. Won't my homeowners insurance cover my property?
A. You may opt to use your homeowners or renters insurance, however many of these policies provide limited coverage for property stored in self-storage facilities. Please check with your insurance agent to see if it will be in your best interest to utilize your policy. Additionally, many homeowners and renter policies have steep deductibles (typically $1000-$3000) that can persuade you not to file a claim if the unfortunate happens, and many times filing a claim can raise your monthly premium or worse - cancel your policy all together.
 
Q. What type of property is eligible for coverage?
A. Almost any personal or business property you store is eligible for coverage. Some of the exceptions are items such as accounts, bills, firearms, currency,deeds, evidences of debt, securities, money, notes, animals, jewelry, watches,motor vehicles, precious or semi-precious stones, furs and garments trimmed in fur.

Q. Is flooding covered?
A. As with regular home owner’s policies, damage from flood or rising water is not covered. Flood insurance is available from the Federal Government.
 
Q. When does my coverage start?
A. Coverage starts when you complete and sign the Enrollment Form and pay your first month's premium. Your property is also covered while in transit to, and within 100 miles of the storage facility. 
 
Q. When will my insurance expire?
A. This is a pay-as-you-go, monthly renewable policy. Your coverage continues as long as you pay your monthly rental rate and insurance premium. You may terminate your lease at any time.
 
Please feel free to contact the store office for more information on Tenant Insurance