Self Storage Contents Insurance: FAQs
To speak to a MiniCo customer representative, please call our toll-free number
MiniCo Insurance Agency, LLC
Make sure you have the following information handy before starting the application process:
Currently, MiniCo is licensed in all 50 states and the District of Columbia.
Generally, customers' stored property is not insured by the self storage facility. Therefore, it is your responsibility to insure your stored goods. MiniCo covers losses due to events beyond the self storage facility's control such as burglary and natural disasters (see below for details).
Homeowner policies may not provide adequate coverage protection for items stored away from home, such as property kept in a self storage unit. For coverage clarification, you should inquire with your insurance agent or company. MiniCo customer storage insurance is specialized, excess, short-term protection for stored items.
coverage for my stored goods?
MiniCo provides affordable insurance coverage for losses to property kept in a self storage unit due to burglary, lightning, windstorm, hail, fire, smoke, earthquake, building collapse, explosion, vandalism, riot, rodent/vermin damage and water damage (some exclusions apply).
No. MiniCo does not provide coverage for loss or damage caused by, resulting from, contributed to or aggravated by flood, surface water, waves, tidal water or tidal wave, overflow of streams or other bodies of water, or spray from any of the foregoing, all whether driven by wind or not. Flood insurance is available through the U.S. Government and the National Flood Insurance Program.
Almost any personal property and some business property a customer stores is eligible for insurance coverage. The following goods are not covered under this policy and are automatically excluded: accounts, deeds, bills, currency, evidence of debt, securities, money, notes, jewelry, watches, precious stones, furs and garments trimmed in fur, and boats or motorized vehicles. Some business inventory is also not covered (call your MiniCo representative for details). 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 antiques and other high-value collectibles.
No. This policy is not designed to provide liability insurance or regular business or hobby protection.
Yes. To purchase insurance coverage for more than one month at a time, call your MiniCo representative at
Yes. To purchase insurance coverage for more than one unit, call your MiniCo representative at
No. To extend your insurance policy, please call your MiniCo representative at
Go to the Quote page of this Web site and complete the application. You may charge the premium using your MasterCard, Visa, American Express or Discover.
If you need to report a claim, please call our MiniCo claims hotline at
You may notify MiniCo in writing that you would like to cancel. MiniCo will refund any unused full calendar months, if applicable.
This is a pay-as-you-go, monthly renewable policy. Normally, your coverage continues as long as you pay the monthly premium. If you terminate the lease and move out of the rented self storage unit, coverage stops when you move out.
Once you purchase coverage, you will be mailed a Customer Policy of Insurance. It describes the coverage and conditions of insurance.
Normally, it takes about 10 days from the date of purchase to receive the Customer Policy of Insurance. If you do not receive one within 45 days, please call MiniCo at
As long as you have completed the enrollment form and paid the premium, you are insured whether or not you have received the Customer Policy of Insurance.
MiniCo Insurance Agency, LLC, is licensed in all 50 states.Copyright © 2011 MiniCo Insurance Agency, LLC. All rights reserved.