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Self Storage Insurance for Your Business

Shop the Entire Self Storage Insurance Market

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Self Storage Insurance Package Explained

Property Coverage

The property portion protects the physical assets of the facility, including:

  • Buildings

  • Business Personal Property

  • Improvements and betterments

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Coverage is typically written on a Special Form basis.

Limits may be structured as:

  • Blanket limits (one total limit across buildings), or

  • Scheduled limits (each building insured separately)

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Deductibles are applied to property losses and may include flat deductibles and percentage deductibles for wind or hail.

Business Income Coverage

Self-storage facilities generate recurring rental revenue.

Business Income coverage protects against lost income if the facility cannot operate due to a covered loss.

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This coverage may include:

  • Rental income

  • Extra expense

  • Extended business income

  • Civil authority coverage

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Indemnity periods commonly range from 12 to 24 months.

General Liability Coverage

The liability portion protects the facility owner from third-party claims.

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This typically includes:

  • Premises and operations liability

  • Personal and advertising injury

  • Products and completed operations

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Standard limits are often structured with per-occurrence and aggregate limits.

Customer’s Goods Legal Liability

This coverage addresses situations where tenant property is damaged due to the facility’s negligence.

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It is separate from the tenant’s own insurance and protects the owner when legal responsibility exists.

Hired & Non-Owned Auto

If employees use personal vehicles for business purposes, this coverage provides liability protection.

Sale & Disposal Liability

Self-storage facilities conduct lien sales and lockouts.

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Sale and Disposal Liability coverage addresses claims arising from improper disposal, wrongful sale, or errors in lien enforcement.

Additional Enhancements

Self-storage packages may also include:

  • Ordinance and Law coverage

  • Sewer and drain backup

  • Debris removal

  • Pollutant cleanup

  • Lock replacement or lost key coverage

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These enhancements are often subject to sublimits.

A self-storage insurance package is a coordinated commercial program that integrates:

  • Property protection

  • Income protection

  • Liability coverage

  • Tenant-related exposures

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It is structured specifically for the operational realities of self-storage facilities.

Why Choose Matt Mims Group?

At Matt Mims Group, we specialize in self-storage insurance for facility owners, investors, and operators nationwide. Unlike call-center agencies, you’ll work directly with the owner, ensuring your facility gets the attention it deserves.

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Here’s why self-storage facilities choose us:

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  • Access to Every Major Program – From Old Republic to Lloyd’s of London, we have relationships with every self-storage insurance program in the U.S., giving you the best pricing and coverage options.

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  • Direct Underwriter Negotiation – We fight for your facility by negotiating directly with underwriters to secure the rates you need.

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  • Tailored Coverage – From property and liability to wind/hail, flood, and tenant insurance programs, we design coverage around your specific risks.

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  • Proven Industry Expertise – With years of experience and a dedicated focus on self-storage, we understand the exposures and requirements unique to your business.

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  • Personal Service – When you call, you’ll talk to Matt Mims or a dedicated team member — not a rotating list of random reps.

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