Insurance

Insurance Program (Optional)

 Most homeowner's, vehicle, watercraft, personal liability, or rental insurance policies cover items stored at storage facilities.  Please check with your insurance company. While you may already be covered through your other policies, the Storsmart insurance program may provide access to a more specialized coverage. For added protection, we are pleased to offer additional insurance.  This policy covers most household goods, personal property, business and commercial items that you may store within a rented storage space.

What’s not covered?

  • Motor vehicles, boats and recreational vehicles stored in open lots or open storage that is not fully enclosed will not be covered for wind, hail, theft, vandalism or malicious mischief.
  • Items that are not covered by Customer Storage Insurance include jewelry, precious stones, watches, furs, fur trimmed garments, money and securities.

What kinds of losses are covered?*

  • Fire
  • Theft
  • Water Damage (Damage caused by flood is not covered)
  • Smoke Damage
  • Vandalism
  • Windstorm
  • Lightning
  • Explosion
  • Building Collapse
  • Earthquake (Loss by earthquake is subject to a $1,000 deductible)
  • Hail
  • Riot
  • Transit to or from your rented storage space
  • Moth, insect, rodent, or vermin damage up to $500

Call our office at 256-464-2422  with any questions or  contact our carrier,  Storsmart .


* Please confirm coverage information with Storsmart and your insurance carrier.

Insurance Premiums

Insurance Premiums

Monthly  Premium

Limit

$9.00

$2,000.00

$13.00

$3,000.00

$22.00

$5,000.00

$32.00

$7,500.00


As with any insurance provider, please take time to review your policy.   While we make every effort to maintain the website to ensure the accuracy of insurance premiums and coverage, the provided information is based on Storsmart’s  terms and conditions. 



How to File A Claim

If you have incurred a loss, please follow these 4 easy steps:

Step 1: Ensure you and your valuables are safe. If your valuables are at
risk of sustaining further damage, take necessary precautions to protect
them without putting yourself or others in harm's way. Also, tell the facility
manager about your loss.

Step 2: Take pictures of your storage space and any damage your items
may have sustained.
Don't throw away any damaged property until you
speak with a customer service representative.

Step 3: If a criminal act appeared to have taken place, such as vandalism
or burglary, contact the local police department to file a police report.

Step 4: Call the toll free claims number at 855-805-7433 and relax and rest assured that the claims process will be an easy process. Claim payments are
based on actual cash value of the property.

 

For additional information or questions, please contact Storsmart’s claim department 1-888-545-SMART

Insurance Questions

For additional information, please contact us.