GENERAL POLICY FAQS

Q. What does this insurance cover?
A. It protects you against damage to, or loss of, your property from 32 different causes, including Fire, Earthquake, Water Damage, & Burglary. See your Certificate of Insurance for a complete list of the covered causes.

Q. I received a Certificate of Insurance from your company, what is it?
A. Your Certificate of Insurance is your proof of the coverage selection you made when you enrolled in the program. It shows the amount of coverage you selected and also gives you a breakdown of covered causes. If you have questions about your Certificate, please call one of our licensed Customer Service Representatives at 1-888-223-3726, option 1, option 2.

Q. How do I sign up for Insurance?
A. Signing up for coverage is simple! For insurance on a storage unit simply go to the leasing office and request a Bader Participation Form to complete. B.For insurance on your apartment you may request a Bader Participation Form from the leasing office or you can click here and self enroll.

Q. What types of property are eligible for coverage?
A. Most property you own is eligible for coverage but there are limits. There ARE exceptions. Some of the exceptions are accounts, bills, firearms, currency, deeds, evidences of debt, securities, money, notes, animals, jewelry, watches, precious or semi-precious stones, furs and garments trimmed in fur. These items are not insurable under this policy. Coverage may also be declined on exotic, imported or high value contents. The policy is not designed to cover these types of items. Stated Value Insurance Policies are available from most local insurance agents for items like antique cars and other high value collectibles or antiques.

Q. Is flood covered?
A. Just as with regular Home Owners policies, damage from flood or rising water is not covered. Flood Insurance is available from the Federal Government.

Q. What is the difference between burglary and theft?
A. Burglary means stealing property by means of forcible entry into a securely locked storage space, provided there are marks of forcible entry on the exterior of the storage space. Theft does not require forcible entry. Theft and Mysterious Disappearance are not covered under this policy

CLAIMS CENTER

Q. What do I do if I have a loss?
A. Notify the site manager (especially if there is damage to the building). Report break-ins to local police. Get the police report. Make a list of what is damaged. Take pictures if you can. Be sure to include as much detail as you can, such as: make, model, year purchased, etc. Secure your property, and protect it from sustaining further damage. Contact the CLAIMS DEPARTMENT at 1-888-202-2337.

Q. What information do I need to have to file may claim?
A. We are committed to helping you file your claim as quickly as possible. When calling our Claims Center to report your claim please make sure you have your personal contact information, incident location information, incident report (i.e. police report), description of the incident, and an inventory list of property damaged in the incident.

Q. What does the claims process involve?
A. Take your claim statement, mail claim documents for you to sign and return, verify the loss, send and adjuster (if required), settle you claim in a timely manner. Sometimes additional information may be needed to complete this process and verify your loss.