Self-Storage Facility Insurance
Self-storage facilities spread value across many buildings, gates, cameras and office space, and they hold customers’ belongings that can lead to claims when something goes wrong. Pacific Southwest Insurance Services insures self-storage owners with property and liability coverage built for storage operations.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our self-storage facility clients include:
- Traditional drive-up storage
- Climate-controlled facilities
- Boat and RV storage lots
- Portable storage container businesses
- Mini-warehouse complexes
Coverage Options
- Building coverage: Covers storage buildings, the office and manager’s apartment.
- Gates, fences and security systems: Covers access gates, fencing, cameras and keypads.
- Business income: Replaces rental income after a covered loss.
- Customer goods legal liability: Protects you when you’re legally responsible for damage to tenants’ stored property.
- Sale and disposal liability: Covers claims related to lien sales of abandoned units.
- General liability: Covers injuries on the property.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Number of units and buildings
- Construction type
- Security and access control
- Climate control
- Outdoor vehicle storage
- Location
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- Break-ins: Thieves target units, especially at facilities with weak gates or lighting.
- Fire spread: Fire in one unit can spread to others.
- Water intrusion: Roof leaks and drainage problems damage units.
- Customer injuries: Driveways, loading areas and stairways lead to injury claims.
Tips for Self-Storage Owners
- Use gate codes, cameras and good lighting.
- Require tenants to insure their belongings in the rental agreement.
- Keep drainage clear and inspect roofs regularly.
Frequently Asked Questions
Are my tenants’ belongings covered by my policy?
Generally no, unless you’re legally liable. Many facilities offer or require a separate tenant protection plan.
What about lien sales?
Sale and disposal liability covers claims if a tenant says their unit was sold improperly.
Do you insure RV and boat storage?
Yes. Outdoor storage lots can be insured with the same program.
Can I offer tenant insurance to my customers?
Many facilities offer tenant protection plans. We can discuss options that fit your facility.
Are my gates and keypads covered?
Gates, fences and access systems can be covered. We’ll make sure your outdoor property is included on the policy.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Self-Storage Facility Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.