How do I get the best price on self-storage insurance in Tampa, Florida?

Work with a broker that shops every major self-storage insurance program. Matt Mims Group negotiates directly with multiple underwriters to compare coverage, deductibles, and pricing—often lowering total cost while improving limits.

Does my policy need hurricane and wind coverage in Tampa?

Yes. Tampa is exposed to hurricanes and severe wind events. We place policies that include wind/hail and offer options for percentage or flat deductibles so you can balance premium and risk.

Is flood insurance required for my storage facility?

Flood is typically excluded from standard property policies. Depending on location and elevation, you may need a separate NFIP or private flood policy. We’ll check your flood zone and quote appropriate flood coverage.

What coverages should a Tampa self-storage policy include?

Core coverages include Building, Business Personal Property (office, gates, cameras), General Liability, Customer Goods Legal Liability, Business Income/Extra Expense, Equipment Breakdown, Cyber, and Wind/Hail. Optional endorsements can address signage, fences, and ordinance or law.

How much does self-storage insurance cost in Tampa?

Pricing depends on construction, age and condition of roofs, wind zone, claims history, security controls, and selected deductibles. We gather a short facility profile and then shop multiple carriers to present a side-by-side price and coverage comparison.

Which carriers do you work with for Tampa facilities?

We access every major self-storage program, including Safehold, Old Republic, Ascot, SafePoint, Liberty Mutual, Chubb, Lexington, Western World, CRC facilities programs, Lloyd’s markets, Altruist, and others.

How quickly can I get a quote?

Most indications are turned around quickly once we have the basics (address, construction, square footage, roof age, security, and loss history). Start here: https://www.mattmimsgroup.com/get-a-quote.

Do you help with claims and renewals?

Yes. We assist with claims advocacy, policy changes, and proactive renewal remarketing to keep your coverage competitive year after year.

Can I cover fences, signage, and gates?

Yes. We can schedule coverage for site improvements such as signage, fencing, lighting, and motorized gates, and ensure replacement cost values are accurate.

Does insurance cover tenant property stored in units?

Standard property policies do not cover tenant contents. However, Customer Goods Legal Liability may respond if tenant property is damaged due to your negligence. We also advise offering tenant protection plans for added customer coverage.

Self Storage Insurance - Tampa, Florida

mattmims
Aug 15
2 min read

Self Storage Insurance for Owners in Tampa, Florida — How to Get the Best Coverage at the Best Price

Where is the best place to buy self-storage insurance if you own a facility in Tampa, Florida?

Right here at the Matt Mims Group — your Self Storage Insurance Specialist.

Click here for an easy solution and be directed to our website to fill out your request-a-quote form (it only takes about 60 seconds). We offer the most affordable coverage because we have access to the entire self storage insurance market.

We shop your facility throughout the entire self-storage insurance market to find the best price and coverage for your unique needs. To name a few of the top programs we access: Safehold, Altruist, Old Republic, Ascot, Mahoney Group, SafePoint, Western World, Lloyd's of London, Lexington, CRC, Chubb, Liberty Mutual, and many more.

Self Storage Insurance in Tampa Florida — Self Storage Insurance in Tampa, FL

Why Self Storage Owners in Tampa Need Specialized Insurance

Tampa’s booming population and year-round business activity make it an attractive market for self-storage. But with that growth comes unique insurance risks, including:

Hurricanes & Windstorms – Florida is a high-risk hurricane zone, and wind/hail deductibles can vary greatly between carriers.
Flooding – Heavy rain and storm surges make flood coverage essential.
Theft & Vandalism – Increased facility traffic raises exposure to criminal activity.
Liability Claims – Injuries or damage on your property can lead to costly lawsuits.

Without the right insurance program, you could be overpaying and under-protected.

Coverage Options for Tampa Self Storage Facilities

When we shop your policy, we look at:

Building Coverage – Protects your physical structures from wind, fire, vandalism, and more.
Business Personal Property – Covers your office furniture, security systems, and maintenance equipment.
Customer Goods Legal Liability – Protects you if tenant property is damaged due to your negligence.
Business Income/Interruption – Keeps revenue flowing if your facility is closed due to a covered loss.
Flood Insurance – Especially important for Tampa-area facilities.

Why Choose Matt Mims Group

We don’t just send your information to one carrier and call it a day. We work directly with multiple underwriters, fighting to get you the best combination of price, coverage, and deductible options.

Our clients get: