Self Storage Tenant Insurance in New York and New Jersey

The tenant insurance program protects your belongings and gives you the peace of mind that comes with having your personal items covered by an insurance company that’s been A-rated for more than 100 years! The tenant insurance policy is offered for a minimal monthly fee that is combined with your rental fee for one easy payment each month. This small investment translates into some notable benefits for you, including:


  • Low cost and low deductible — You may be able to save quite a bit on the cost of insurance your items by going with a self storage facility policy. For example, the Xercore  policy offers $3,000 to $5,000 of insurance coverage on your belongings for a monthly fee ranging between $12 and $16. This insurance covers damage to your belongings in the event of a variety of accidental circumstances, including fire, tornados, and theft. The deductible is $100, which means this policy could be used in conjunction with a homeowner’s insurance policy that has a high deductible. 


  • Separate deductible — Claims are filed through Storsmart rather than your own insurance company. Therefore, these claims will not affect the amount of your monthly homeowner’s or renter’s insurance premium nor cause your personal or business policy to be cancelled.


  • In-transit coverage — Some tenant insurance policies cover items that are damaged in transit — up to a 50-mile radius. This coverage might not be offered through your homeowner’s or renter’s insurance policy.


  • Supplemental coverage — If you’re a business owner, you may already have insurance that covers equipment and other items you’ll be storing in a self storage unit. However, you may wish to consider investing in the insurance offered by our facilities as it provides good supplemental coverage for your inventory, products, documents, and more.


Whether you are planning to store your personal belongings or items for your business, make sure to calculate how much you estimate that your items are worth. That way, you can purchase the appropriate amount of insurance and have confidence that your belongings are properly covered. Contact our team today for more information about our tenant insurance options!

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