All of our facilities, including gate access, will be closed on Easter Sunday, March 5. Regular operating hours will resume on 5/6/26.
Self Storage Tenant Insurance Program
The personal property you store in your storage unit is important and valuable. While Security Public Storage provides a secure facility, we are not responsible for loss or damage to items stored in your unit. For that reason, every tenant is required by their lease to maintain insurance coverage on stored property.
How to Meet the Insurance Requirement
Use Your Own Insurance
Some homeowners and renters insurance policies already cover items stored in a self storage unit. You should contact your insurance provider to confirm whether your policy includes off site storage, and to understand any deductibles, coverage limits, or exclusions that may apply. Employees of Security Public Storage are not licensed to review, recommend, or verify the adequacy of outside insurance policies.
Optional Tenant Insurance Program
As a convenience, Security Public Storage offers a Self Storage Tenant Insurance Program administered by Xercor Insurance Services LLC. This program satisfies the insurance requirement in your lease and is billed monthly along with your storage rent.
The program is underwritten by Old Republic Insurance Company, a well established and highly regarded insurance provider in the storage industry.
Important Disclosures
Security Public Storage or the facility operator may receive compensation for administrative services related to the insurance program, including helping tenants enroll and collecting monthly premiums. In addition, affiliates of certain facility owners or operators may hold a de minimis ownership interest, meaning less than four percent, in Xercor Insurance Services LLC and in a company that reinsures the risk assumed by Old Republic Insurance Company.
Your Choice
You are not required to purchase insurance through the Xercor program. However, you are required to maintain active insurance coverage on your stored property at all times while renting a storage unit.
If you have questions about your coverage options, our on site managers can help explain how the program works and how to enroll.
Self Storage Tenant Insurance FAQS
What levels of coverage are available under the Self Storage Tenant Insurance Program?
Coverage options and monthly premiums vary by state. Four coverage limits are available under the program.
California
Choose from $3,000, $4,000, or $5,000 in coverage for $12, $14, or $16 per month.
Maryland, Virginia, Oregon, and Nevada
Choose from $3,000, $4,000, or $5,000 in coverage for $14, $16, or $18 per month.
What losses does the Self Storage Tenant Insurance Program cover?
The Program protects your stored property against damage or loss from over thirty perils, including fire, lightening, windstorm, hail, tornados, hurricanes and other perils, like burglary and vandalism, all subject to a $100 deductible for each claim. For a complete list of covered causes of loss, you can view or download your state’s Certificate of Insurance form online, obtain a copy of the insurance certificate by contacting Xercor Insurance Services LLC at 844-769-2904, or see the sample certificate of insurance at our facility.
What types of property does the Self Storage Tenant Insurance Program cover?
Most types of personal property are covered under the Program. However, there are some exclusions, such as: firearms, photographic equipment, currency, contracts, securities, lottery tickets, precious metals, jewelry, watches, fur, food, alcohol and other specifically identified exclusions. To see a complete list of the property excluded, you can view or download your state’s Certificate of Insurance form online, obtain a copy of the insurance certificate by contacting Xercor Insurance Services LLC at 844-769-2904, or see the sample certificate of insurance at our facility.
Does the Program cover losses from flood, mold, rodents and vermin?
Yes, subject to the $100 deductible for each claim, the Program protects against all of these perils, but with the following sub-limits:
• $1,000 for loss or damage from flood
• $500 for mold, mildew, fungus, wet or dry rot damage
• $500 for vermin, rodents, moths or insect damage
When does my coverage start? When does coverage expire?
Coverage begins when you complete and sign the Enrollment Form and pay the first month’s premium. Coverage ends when your rental agreement terminates or on the date specified in any notice you may receive for failure to pay your monthly premium.
If I’m insured under the Program, how do I file a claim if I suffer a covered loss?
All claims for losses should be directed to Xercor Insurance Services LLC by calling 844-769-2904 or by submitting a claim through Xercor’s website, www.xercor.com.