Business Details
Your Trusted Partner for Self-Storage Insurance Solutions
Welcome to Storsmart, one of the industry's largest providers of self-storage goods insurance. Our commitment to simplicity and excellence drives our mission to deliver accessible, technology-driven tenant insurance solutions with robust coverage. With decades of experience in the insurance sector, we specialize in protecting self-storage valuables from theft, natural disasters, and other risks. Our embedded insurance model integrates seamlessly with existing rent payments, offering unparalleled convenience. Backed by Property First Group LP and underwritten by New Hampshire Insurance Company, we prioritize fast claims resolution and transparent processes.Our tech-forward approach meets clients where they interact with storage facilities, ensuring streamlined enrollment and cancellation. We maintain primary coverage status over other policies, reducing financial burdens through affordable rates starting at $0.40/day. Our team's expertise in risk management and dedication to client satisfaction position us as a trusted leader in self-storage insurance solutions.
Services
Self-Storage Insurance
Burglary Coverage
Fire Damage Protection
Water Damage Insurance
Wind/Hail Insurance
Earthquake Coverage
Outdoor Parking Protection
Pest Damage Insurance
Mildew/Fungus Coverage
Snow/Ice Damage Insurance
Highlights and features
- We offer embedded insurance integrated with self-storage rent payments
- Our tech-forward approach meets clients at facility interaction points
- We provide fast and efficient claims processing with dedicated professionals
- Our coverage serves as primary insurance over other existing policies
- Affordable protection starts at $0.40/day with flexible cancellation options
Services
Self-Storage Insurance
Our self-storage insurance protects stored valuables from theft, fire, water damage, and natural disasters. Designed as primary coverage over other policies, it offers broader protection than standard renters insurance. With embedded payment options and claims processing by experienced professionals, this solution ensures comprehensive protection for both personal and business storage needs.
Burglary Coverage
This coverage protects against forced-entry theft in secured storage spaces. Requires evidence of forcible entry like cut locks or facility video footage. Excludes theft without forced entry or mysterious disappearances. Our claims process verifies burglary incidents through documented proof, ensuring valid claims receive prompt resolution while maintaining premium affordability through fraud prevention measures.
Water Damage Insurance
Covers losses from water leaks including roof leaks and sprinkler system failures. Differentiates from flood damage by origin point (above vs. rising waters). Requires photographic evidence of water source and damaged items. Our policyholders benefit from clear definitions in certificate documentation, ensuring transparent claims assessment for incidents like pipe bursts or malfunctioning sprinkler systems.
Wind/Hail Insurance
Protects against damage from wind, hail, tornadoes, and roof collapses from snow/ice accumulation. Requires documentation of weather events and structural damage. Excludes flood damage from heavy rains unless specifically endorsed. This coverage provides financial protection for storage units affected by severe weather events, with claims evaluated based on verifiable storm-related damage evidence.
Earthquake Coverage
Optional coverage for earthquake, volcanic eruption, or landslide damage. Available as an endorsement to standard policies. Requires geological documentation for claims validation. This specialized protection addresses seismic risks not covered in basic policies, offering enhanced security for storage facilities in earthquake-prone regions through clearly defined endorsement terms.
Questions
What makes Storsmart coverage primary over other insurance policies?
Our policy explicitly states primary coverage status, meaning we pay claims first without seeking contribution from other insurers. This protects policyholders from deductible expenses and premium increases on homeowners policies.
How quickly are claims typically processed?
Most claims settle within days after receiving complete documentation. Policyholders must provide evidence like police reports, photographs, and itemized lists to expedite processing through our dedicated claims team.
What documentation is required for water damage claims?
Photographic evidence showing water source (leaking roof, sprinkler malfunction) and damaged items is required. Facility maintenance records and incident reports also help verify legitimate claims during assessment.
Does coverage include bed bug infestations?
No, our policy specifically excludes insects from the Cimicidae family including bed bugs. This exclusion helps maintain affordable premiums while focusing coverage on structural and environmental risks.
Can I cancel coverage anytime?
Yes, our flexible policy allows cancellation at any time through facility management or direct contact with our administrative team, ensuring complete control over your insurance needs.
How does Storsmart prevent insurance fraud?
We require verifiable documentation for all claims, including photographs and police reports. Fraudulent submissions face prosecution with potential penalties up to five years imprisonment, protecting honest policyholders.
