Question 1

What levels of coverage are available under the Self Storage Tenant Insurance Program?

Accepted Answer

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.

Question 2

What losses does the Self Storage Tenant Insurance Program cover?

Accepted Answer

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

Question 3

What types of property does the Self Storage Tenant Insurance Program cover?

Accepted Answer

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.

Question 4

Does the Program cover losses from flood, mold, rodents and vermin?

Accepted Answer

Yes, subject to the $100 deductible for each claim, the Program protects against all of these perils, but with sub-limits:

Question 5

When does my coverage strat? When does coverage expire?

Accepted Answer

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.

Question 6

If Im insurance under the program, how do I file a claim if I suffer a covered loss?

Accepted Answer

All claims for losses should be directed to the Program administrator, Xercor Insurance Services, LLC by calling