Self Storage Insurance

Rest Insured

While A1 Mini U-Store-It does its best to provide a safe and secure environment, the goods you place in self storage spaces are your sole responsibility. Check with your home insurance provider to see if your coverage already has a provision for items stored outside your home- you may already be covered.

If you aren't, no problem! Please just ask the resident manager about A1 Mini's Insurance Programs.

Click here do download out Self Storage Insurance Terms and Conditions.

Frequently Asked Questions:

Why should I have insurance?

The Self Storage Facility is NOT responsible for loss or damage to your goods (as specified in the lease or rental agreement, also by law). Most personal insurance policies have limitations on their off-site coverage. This coverage will provide protection against loss or damage to your property for the entire storage period.

Surely my homeowners insurance covers my goods while stored?

• Many household policies only cover goods in the house and not in transit or storage
  
• Household policies often have a higher deductible
  
• Under many household policies your premium could be increasedc if you have a claim

What types of losses are covered?

The policy sets out what is covered and what is not. Please read the Summary of Insurance carefully. The coverage is written on an 'all risk' basis, subject to specific exclusions.

What property is not covered?

Please read the Summary of Insurance carefully. Some property exclusions are: growing plants, animals, money, video tapes, data storage, CDs, DVDs, and goods belonging to others.

I am storing property related to my business. Is business property covered?

Business property can be covered if you own it. The basis of valuation for business property is on Actual Cash Value. Our business property package provides Actual Cash Value coverage, meaning that you will receive the cash value of any items you claim as opposed to the amount required to replace it.

Am I responsible to pay a deductible in the event that I suffer a loss?

Yes, you are responsible for paying whichever deductible option you chose when purchasing coverage for your goods. Your deductible amount is defined on your certificate.

How much insurance do I need?

Your personal property must be insured to full replacement cost. Your business property must be insured to full actual cash value. The policy includes an 'insurance to value' condition. If you underinsure, any claim will be reduced by a similar proportion. For example, if the total value of your goods is $10,000, and you insure for $5,000, your are 50% underinsured and any claims would therefore be reduced by 50%. If you have a claim of $2000, your settlement will be 50% of the total, and you will be reimbursed $1,000.

What should I do in the event of a loss?

Please report the loss to the self storage owner, who will in turn report it to the insurer and police if necessary.