Covered Property*

Means personal property or business property that you are storing within a self-storage unit at a self-storage facility or in transit to/from the insured location for which you are paying rent pursuant to a rental agreement between you and the storage unit owner.

Covered Causes of Loss*

  • Fire or lightning
  • Burglary – forced entry (not available for contents stored at your home or any other unsecure location.)
  • Explosion
  • Windstorm or Hail
  • Tornado
  • Smoke
  • Vandalism
  • Water Damage from roof leaks
  • Collapse
  • Weight of snow, ice or sleet
  • Sinkhole Collapse
  • Property in transit (not available for Mobile storage)
  • Falling Objects
  • Sonic Boom
  • Riot or Civil Commotion

Additional/Optional Coverage Options

  • Flood
  • Named Storms
  • Earthquake
  • Rodents

Property NOT Covered*

Do NOT store any of the following items in your storage unit or mobile storage container. Your policy will NOT cover these losses:

  • Accounts, bills, currency, data, documents, records, deeds, evidences of debt, money, notes, securities or stamps
  • Animals, birds or fish
  • Aircraft
  • Firearms
  • Furs, fur garments and garments trimmed with fur
  • Jewelry, watches, precious or semiprecious stones, bullion, gold, goldware, gold plated ware, silver, silverware, platinum or other precious metals or alloys, and photographic equipment
  • Property while in the custody of other bailees unless the property is at a premise described in the declarations
  • Contraband or other property held for, or in the course of, illegal transportation, sale, or trade
  • Valuable papers and records, including those which exist as electronic data and photographs
  • Property in storage units or mobile storage containers as to which you have begun lien enforcement actions against the lessee of the storage unit or mobile storage container
  • Property stored outside of buildings, structures or containers.
  • Fine arts, antiques and collectibles
  • Self-propelled machinery or trailers. Self-propelled machinery includes but is not limited to:
    • (1) Trucks or tractors
    • (2) Automobiles
    • (3) Motorcycles, contractor’s equipment, or other mobile equipment; or
    • (4) Recreational vehicles

Disclosure:

*This is intended as a summary. The policy itself should be read for a full description of the terms, conditions, limits and exclusions.

To view the complete policy, register with SnapNsure™ here.