QUESTIONS TO ASK YOUR INSURANCE AGENT
REGARDING INSURANCE COVERAGE
FOR YOUR PROPERTY IN STORAGE:
Q: Does your homeowners’ or business insurance policy cover property stored at a location that is not your home or business?
A: M ost homeowners’ or business insurance policies do not automatically provide this coverage and a separate endorsement
must be issued, subject to insurance company approval.
• The Orange Door Storage Insurance Program automatically provides this coverage as soon as you
complete the form and pay the monthly premium.
Q: Is coverage provided only for a limited time limit?
A: Most homeowners’ or business insurance policies only provide short-term (usually 30 days) coverage. Any extension would
need to be approved by the insurance company.
• The Orange Door Storage Insurance Program provides coverage that remains in effect for as long as you
have your storage unit and pay the monthly premium.
Q: Is there an additional premium charged to cover property stored at another location?
A: M ost homeowners’ or business insurance policies will charge an additional premium to add an endorsement to provide
coverage for property in storage. In many circumstances, the estimated costs could be between $1.25 to $1.75 per $100
of values.
• The Orange Door Storage Insurance Program has an affordable premium that you can pay monthly as
part of your storage bill or online.
Q: What is the deductible?
A: C ontents in storage are subject to your homeowners’ or business insurance deductible. Most homeowners’ or business
insurance policies have a minimum deductible of $500 and yours could be higher.
• The Orange Door Storage Insurance Program has a $100 deductible.
Q: If there is a loss, will your insurance premium increase?
A: Y our claims-free discount will be lost and your premium could increase. If you report multiple claims under your insurance
policy during a five-year period, you run the risk of your coverage being canceled.
• The Orange Door Storage Insurance Program will not raise your premium or cancel you if you have a loss.
Q: Does your homeowners’ policy provide coverage for business property?
A: M ost homeowners’ policies will not cover this without a specific endorsement to your policy. The business usually has to fit
the model of “home-based business” and must be approved by the insurance company.
• The Orange Door Storage Insurance Program provides coverage for business property.
Q: Does your homeowners’ policy contain special exclusions for property in storage?
A: M ost homeowners’ policies only provide coverage for theft to property in storage.
• The Orange Door Storage Insurance Program provides coverage for a number of named perils including
water, flood, fire, smoke, hail, lightning, windstorm, vandalism and burglary.
Q: Does your homeowners’ or business insurance policy provide coverage for vermin, fungus or flood?
A: H omeowners’ or business insurance policies, as a rule, will not provide vermin, fungus or flood coverage for
Personal Property.
• T
he Orange Door Storage Insurance Program provides coverage for flood as well as $250 coverage for
vermin and $250 coverage for fungus.
This is meant to serve as a guide only. For your actual terms and conditions, please consult with your insurance agent.
For more information, please call toll-free at (877) 878-6730.
Program Administrator: PSCC, Inc. dba in CA as PSCC Insurance Services Processing. CA Ins. Lic.#0E14626
PSCC, Inc. is a wholly owned subsidiary of Public Storage.
PS_F2301 (AOS - 01/23) ©PSCC, Inc. 2023 [Link]
HELPFUL STORAGE TIPS
DO
✔ Do use covers and pad for beds and furniture to ensure they
DON’T
✘D on’t store items in plastic bags – things could mildew from
stay in perfect condition. lack of ventilation.
✔ Do use the right type of box for the item and don’t overload ✘D on’t store valuables such as deeds, money, jewelry,
them. watches, furs, valuable papers and records, and
✔ Do pack glass in protective packaging. photographs in your storage unit.
✔ Do store valuables, as well as electronics, in unmarked ✘D on’t store items that could be susceptible to temperature
boxes towards the rear of your storage space or behind or atmospheric change.
larger items, such as furniture and beds. ✘ Don’t store flammable items.
✔ Do leave air space around the perimeter to aid in ventilation. ✘ Don’t store food products and other ingestible items
✔ Do leave a walkway to the rear of your space for easy access. – this includes spices.
✔ Do use all the space available, including the height. ✘D on’t lean things against the walls or directly on concrete
✔ Do place frequently needed items towards the front of your floors.
storage space. ✘ Don’t leave items unattended at any time outside your
✔ Do keep a thorough inventory. Prepare a list of everything locked unit.
that you place in your storage unit. Keep this list in a safe
place outside your storage facility.
✔ Do take photos of items, as well as photos of contents and
boxes in your storage space.
✔ Do lock your unit. Disc or cylinder locks are recommended.
✔ Do insure your goods in storage against loss or damage.
HOW TO CANCEL INSURANCE
Your rental agreement with Public Storage requires you to have insurance on your goods in storage; one option is the Orange
Door Storage Insurance Program.
In order to cancel the Orange Door Storage Insurance Program, you must certify that you have confirmed that you have some
other form of insurance covering the property in your space. To complete this, just go to your Public Storage location or to www.
[Link] and log into your account to edit your insurance.
Once you have completed this confirmation, the Orange Door Storage Insurance Program will cancel at the end of the first 30
days, or if after the first 30 days, it will terminate on the 1st of the following month. Insurance Premium is billed on the first of the
month. Cancellations after the first of each month are subject to a minimum premium. Any prepaid insurance will be refunded.
Please note, Public Storage and its employees are not qualified or authorized to evaluate the adequacy of any insurance
you may have.
Check out [Link] for questions to ask your insurance agent.
PS_F2301 (AOS - 01/23) ©PSCC, Inc. 2023 [Link]