Insurance Coverage on Your Unit Contents

Published on 4/12/2018
What is covered by the storsmart insurance program?

The storsmart insurance program covers you in case of loss or damage to your stored goods from fire, lightning, windstorm, hail, weight of ice, snow or sleet, collapse of building, smoke or water damage (except for flood), vandalism, malicious mischief, or burglary. For Burglary, there must be visible signs of forced entry and a police report must be filed. We also cover your goods while in transit to and from the storage facility as a result from fire, collision, or vehicle overturn. Call Property First Group LP, an Insurance Agency and ask for a storsmart insurance program representative for more details.

What kinds of property is not covered by the storsmart insurance program?

Some of the items not covered are as follows: valuable papers, lottery tickets, financial records, electronic data, currency, deeds, securities, stamps, jewelry, watches, precious stones, furs or garments trimmed with fur, firearms, ammunition, and works of art or antiques.

When can I expect to receive my policy?

You will receive proof of coverage upon purchase.

How much of my loss can I recover?

Generally you can recover today's value of your stored belongings (original cost minus depreciation), up to the amount of insurance coverage you purchased. Some limitations apply. Consult the certificate of insurance for details.

Are my stored possessions covered by my homeowner/renter policy?

Many homeowner/renter policies provide only limited coverage for possessions stored away from the insured location. You should contact your insurance agent or carrier for more specific details on your coverage.

What should I do if I have a claim?

Claims are best filed over the internet utilizing the online claim form which can be accessed by clicking on the 'file a claim' tab above or by clicking here. Otherwise, contact the claims office at 888-545 SMART. Either way, a claims adjuster will personally handle your claim.

Is there a deductible?

In some states, there is a $100 deductible, which is waived if you secured your space with a disk or cylinder style lock. Contact a storsmart insurance program representative for details.

Is the storsmart insurance program available in my state?

The storsmart insurance program is available in all 50 states and the District of Columbia. Call today to learn more about the storsmart insurance program.

How do I purchase insurance?

The storsmart insurance program is available at participating self storage facilities that are members of the Self Storage Risk Management Association.

How may I see a certificate of insurance?

A brochure and certificate of insurance is available for review at your participating self storage facility or by calling Propert First Group LP, an Insurance Agency at 888-545-7627