storage defender insurance


Your StorageDefender Tenant Insurance coverage can be canceled at any time with a written notification to the insurance carrier.

Your Storage Facility Manager is NOT an Insurance Agent

The employees of the self-storage facility are not qualified or authorized to evaluate the adequacy of the tenant’s existing personal insurance coverage. Read below for what are covered and not covered by the tenant policy.

Please contact 877-417-8673 or email us using the Contact Us button for questions about your coverage.


Covered Causes of Loss:

Covered causes of loss means direct physical loss or damage to covered property caused by:

  • Fire or lightning
  • Windstorm, hail, tornado, hurricane, explosion, sonic boom, aircraft, self-propelled missiles, spacecraft, vehicles, smoke, earthquake, volcanic eruption, landslide, sinkhole collapse, riot, strike, or civil commotion
  • Falling objects, provided the building is first damaged by such falling objects, weight of ice, snow, or sleet
  • Collapse of buildings or any part thereof containing the covered property
  • Rodent Damage ($500 limit)
  • Water damage
  • Vandalism and malicious mischief
  • Certified act of terrorism

Additional Coverage Options

  • Debris Removal
  • Burglary or Holdup
  • Extra Rental Expense
  • Transit
  • Mildew, Fungus, Bacteria, Wet or Dry Rot Coverage ($500 Limit)


Some Facilities may Offer Optional Coverages at an Additional Cost
  • Limited Vehicle, Trailer, and Watercraft Content Coverage for Open Space Parking
  • Limited Property Damage
  • Limited Flood Coverage
  • Replacement Cost Settlement


The following are NOT covered:

  • Accounts, bills, currency, documents, records, deeds, evidences of debt, money, notes, securities, stamps, evidence of ownership, contracts, and titles, negotiable instruments, or lottery tickets
  • Animals, birds, or fish
  • Furs, fur garments, or garments trimmed with fur
  • Jewelry, watches, and photographic equipment
  • Precious or semiprecious stones, bullion, gold, goldware, silver, silverware, and silver and goldplated ware, platinum, or other precious metals or alloys
  • Contraband or property in the course of illegal transportation or trade
  • Firearms, explosives, or ammunition
  • Vehicles, trailers, or watercraft stored in the open at a scheduled premise or while in transit
  • Breakage of glass or similar fragile articles
  • Illegal drugs
  • Food or alcohol
  • Cigarettes or other smoking materials

Refer to the certificate for exclusions



This website contains only a general description of coverage contained herein and does not constitute a contract. All coverages are subject to the terms, conditions, provisions, limitations, and exclusions in the policy/certificate, which may vary by state. Some eligibility requirements may apply. Products and services may not be available to all states