Most homeowners' 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.
Your claims-free discount will be lost and your premium could increase. If you report multiple claims under your homeowners' 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.
Most 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.
Perils insured against include Fire, Hail, Lightning, Smoke, Vandalism, Water, Flood and Windstorm. Burglary is covered, provided it is a result of forced entry into a properly locked storage space. There is also limited coverage for vermin and fungus with a $250 sublimit for each. This is not a complete list. Please click on the link below for a sample of the Certificate of Insurance to review all of the perils insured.
Motor vehicles are covered for property damage only for the covered perils listed on the certificate. The vehicle must be within the four walls of a locked storage unit to be covered, subject to the insured limit of the unit, and will be valued on an Actual Cash Value basis.
The term "Burglary" means the act of stealing property by forcible entry into the storage space described on your Rental Agreement and must be evidenced by visible signs of forced entry. However, this coverage only applies when such storage space is securely locked at the time of the forcible entry. A missing lock or the presence of a lock different than the lock placed by you on the storage space is not sufficient, standing alone, to establish forcible entry. In the event of a Burglary Claim, you will bear the burden of proof to establish that a Burglary has occurred.
This is as opposed to Theft or Mysterious Disappearance, for which there is no distinction that there be evidence of visible signs of forced entry into a securely locked storage space. Theft and Mysterious Disappearance are not covered under this policy.
When you purchase insurance from us, in the case of a Claim, you are responsible for the first $100 of any loss. This is your deductible. The insurance company will compensate you, based on the Terms and Conditions, for any amount above this $100 deductible. You will not be requested to make any payment to Sedgwick, the claims administrator.
Your insurance premium is due on the first of each month. You will receive a Notice of Cancellation if your premium has not been received by the 20th of the month. This cancellation will be effective on the 45th day if premium is not received.
If you make your insurance premium payment prior to the 45th day, your account will be made current.
If you do not make your insurance premium payment by the 45th day, your insurance coverage is cancelled. In order to re-purchase the insurance, you will need to complete a new Insurance Addendum to your Rental Agreement. You can review this form by clicking on the link below.
Coverage cancels automatically when you move out of your storage unit.
Coverage also cancels when you do not pay the premium.
If you would like to cancel this insurance for any other reason, you will need to go to your Public Storage office and sign a new Insurance Addendum to your Rental Agreement. A sample of this form can be found via the link below. You can also cancel online by clicking here.
If you terminate your lease with Public Storage, your insurance will cancel on that date, or
If you have not paid your monthly premium, your insurance will cancel 45 days after your monthly premium was due, or
If you elect to voluntarily cancel your insurance through the completion of a new Insurance Addendum at your local Public Storage or online, your insurance will cancel at the end of that month or when your Public Storage lease is terminated, whichever comes first.
You can submit a Claim by calling the Orange Door Storage Insurance Hotline toll-free at (877) 878-6730 and selecting Option 1. Representatives are available to take your Claim information and offer assistance 24 hours a day, seven days a week. You can also click on the link below for information on filing a Claim or to electronically file a Claim. You will be requested to provide documents evidencing ownership of items damaged or stolen.
You can request a status of your Claim or talk to your claims adjuster by calling the Orange Door Storage Insurance Hotline toll-free at (877) 878-6730 – Option 2.
You can also e-mail Claim questions or Claim documentation to firstname.lastname@example.org. Attachments of the following file types can be accepted: DOC, GIF, HTM, HTML, JPG, PDF, RTF, or TIF. The maximum size capacity is 25 megabytes per e-mail. To ensure a timely response, please include your Claim number in the subject line of the e-mail. At this time Sedgwick cannot accept documents via Dropbox™.
It is helpful, when reporting your Claim by either method, to have the following information available:
Your personal contact information
Incident location information
Police report case number (if applicable)
Description of the loss
A list of property damaged in the incident
Once the Claim is received by Sedgwick, you will be contacted within one to two business days by a handling examiner.
Inventory and Photograph Damages
Make a list of what is damaged. Be sure to include as much detail as possible such as make, model, year purchased, purchase price, etc.
It is always recommended to take photos of your damaged items in order to properly identify the item, and also document the damages.
Do not dispose of your damaged items prior to properly documenting the damages.
If your unit reflects damages by forced entry or water intrusion, it is a good idea to photograph those damages, as well.
The Process with Your Claims Examiner
Your handling examiner will discuss additional information needed, such as photos showing the source of water or a police report.
You will need to provide a statement to the handling examiner over the phone.
Sedgwick will mail claim documents for you to complete and return.
You can return your documents by mail to Sedgwick, P.O. Box 14514, Lexington, KY 40512-4514 or by e-mail to email@example.com.
Sedgwick will verify the loss and determine if there is coverage under the policy.
If it is a covered loss, Sedgwick will evaluate the damages once all the necessary documentation has been sent in. If it is not a covered loss, you will receive a letter of explanation that references the applicable policy language.
You will be asked for information and materials to show that you owned and stored the property claimed. Your original receipts, photographs or owner’s manuals are examples that can be used to document your Claim.
Once the damages have been evaluated, you will be notified by your handling examiner of the valuation amount.
Sedgwick will send you a Contents Proof of Loss form to review and sign.
Once that form is signed and sent back to Sedgwick, your claim payment will be issued. This usually is done within two days of receipt of the Proof of Loss form.
Please note that all covered losses are subject to a $100 deductible, which will be deducted from the Claim. You will not be requested to make any payment to Sedgwick.
If you suffer a loss, Sedgwick will ask you for information and materials to show that you owned and stored the property claimed. Your original receipts, photographs or owner's manuals can be used to document your Claim.
Some additional, non-exhaustive, examples of Proof of Ownership are bank records, financial records, credit card records, reprinted store receipts, owners' manuals, warranty papers, remote controls, repair invoices and any photos you may have.
Keep these items at home or at work and not in the storage space.
You may also contact us by calling the Orange Door Storage Insurance Hotline toll-free at (877) 878-6730 and selecting Option 3. Our hours are 8 a.m. to 4:30 p.m. Pacific Time, Monday through Friday, or you may leave a voicemail at any time and we will respond within 24 hours.
You can write to us at PSCC, Inc. in California DBA: PSCC Insurance Services Processing (CA Insurance License #0E14626), P.O. Box 25097, Glendale, CA 91221-5097.
†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. in California DBA: PSCC Insurance Services Processing (CA Insurance License #0E14626). PSCC, Inc. is a wholly owned subsidiary of Public Storage.
Your storage facility is not responsible for your property. The purchase of this insurance is not required to complete your rental transaction. The storage facility and its employees are not qualified nor authorized to evaluate the adequacy of any insurance you may have. This insurance policy may provide a duplication of coverage already provided by your homeowners’ insurance policy or by another source of coverage. This insurance is provided under a Master policy issued to Public Storage by an insurer authorized to write this insurance in the state. Coverage is underwritten by New Hampshire Insurance Company, a member of American International Group, Inc. A wholly owned subsidiary of Public Storage reinsures the risk for the Orange Door Storage Insurance Program, and Public Storage may benefit financially from your insurance purchase. Questions regarding this program should be directed to the Program Administrator, PSCC, Inc. in California DBA: PSCC Insurance Services (CA Insurance License #0E14626) (Principle Place of Business Glendale, CA) at (877) 878-6730.See License Information. PSCC, Inc. is a wholly owned subsidiary of Public Storage. PSCC, Inc. is the Authorized Producer for the Orange Door Storage Insurance Program and administers the program for New Hampshire Insurance Company. PSCC, Inc. is paid a flat fee for administering the program. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. You can review and obtain information about the nature and range of compensation paid by AIG member companies to brokers and independent agents in the United States by visiting their website at http://www.aig.com/overview_3171_476566.html or by calling AIG at 1-800-706-3102.