Frequently Asked Questions

Your insurance coverage begins once you’ve completed these three easy steps:

1. Signed and submitted your lease or rental agreement
2. Completed your self-storage tenant insurance enrollment form
3. Paid your first premium payment

Once all three steps are complete, you will receive your certificate of insurance.

Yes, there is a $100 deductible. All approved claims must exceed the $100 deductible to be issued a settlement check.

No, but please note that self-storage facilities are not responsible for your belongings while in a storage unit or space. In the event your self-storage lease or rental agreement requires that you have coverage for your stored belongings, and you do not wish to elect Xercor insurance, you must provide evidence of coverage to your facility. We advise checking with your insurance agent to ensure you do not have duplicate coverage through your homeowners, renters or other type of insurance.

Your storage unit insurance coverage ends when your rental agreement is terminated, you fail to submit your premium payment, or upon your request to terminate coverage with evidence of alternative coverage.

• Documents: accounts, bills, currency, notes, stamps, deeds, evidence of debt, evidence of ownership, contracts or titles
• Monies: securities, negotiable instruments, money or lottery tickets
• Precious stones or metals: gold, silver, silverware, goldware, silver-plated or gold-plated ware, semiprecious or precious stones, or precious metals or alloys
• Animals
• Jewelry and watches
• Furs or fur-lined/fur-trimmed garments
• Breakage of glass or similar fragile articles
• Illegal drugs
• Food or alcohol
• Photographic equipment
• Explosives, firearms or ammunition
• Cigarettes or other smoking materials
• Vehicles, trailers or watercraft stored in the open or while in transit

Xercor’s self-storage tenant insurance has the following unique coverages within its policy:

• $500 coverage for damage to your belongings due to vermin, rodents or insects
• $500 coverage for damage to your belongings due to mold, mildew, fungus, and dry or wet rot
• $1,000 coverage for damage to your belongings due to flood or rising water

A sublimit is a maximum amount of coverage allowed by a policy for a particular kind of loss, like common industry perils – mold/mildew, vermin or flood. 

No, Xercor coverage only extends to belongings in enclosed storage space described in your rental agreement.

We can walk you through the process of submitting a claim through your storage unit insurance policy.