Commercial Property · Calculator, Comparison & Guide

Self-Storage Insurance: Calculator, Comparison Table & Guide

Drive-up, climate-controlled, and boat/RV storage.

Prong 1 · Interactive Calculator

Self-Storage Facility Estimator

Drive-up, climate-controlled, and boat/RV storage.

Results
LineEstimate
Total insured value —
Construction-age factor —
Roof-age factorRoofs > 15 yrs commonly trigger ACV roof settlement or decline in TX/FL. —
Sprinkler credit —
Effective property rate per $100 —
Property premium —
Business income / rents premium —
Customer goods legal liability ($25K/unit) —
General liability —
Sale & disposal liability (lien sales) —
Vehicle storage garage keepers —
Estimated annual package —
Per unit per year —
Wind/hail deductible per occurrencePercentage of building limit, per building, before the carrier pays. —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Self-Storage Coverage Structures

Package vs. storage-specific program.

CriterionGeneric Commercial PackageSelf-Storage Program (Specialty)Portfolio Program
Customer goods legal liabilityExcludedIncludedIncluded
Sale & disposal (lien sale errors)ExcludedIncludedIncluded
Tenant insurance program (pass-through)ExcludedOptionalIncluded
Pollution (abandoned hazmat)ExcludedOptionalOptional
Business incomeOptionalIncludedIncluded
Best fitAvoidSingle facility3+ facilities
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Self-Storage Insurance: The Three Coverages Generic Packages Miss

Customer goods legal liability, sale & disposal, and the tenant insurance program.

Customer goods legal liability

Your rental agreement disclaims responsibility for tenant goods — but courts and carriers know that disclaimer fails when you're negligent (roof leak, gate failure, pest infestation).

  • $25K–$50K per unit, aggregate sized to facility
  • Roof, gate, and pest maintenance logs
  • Rental agreement with Texas Ch. 59 compliant language

Sale & disposal

Texas Property Code Ch. 59 and Florida §83.806 govern lien sales. Mis-notice a tenant and you're liable for the goods.

  • Written notice procedures
  • Photograph contents before sale
  • Coverage for wrongful sale claims

Tenant insurance program

Offering tenant insurance at the counter is revenue and risk transfer.

  • Texas allows limited-lines self-storage licensing
  • Reduces customer goods claims against you

Frequently Asked Questions

Are tenant goods covered under my property policy?

No. Your policy covers your building and your business personal property only.

What about abandoned hazardous materials?

Pollution liability; disposal cost is real when a tenant leaves paint, chemicals, or worse.

Wind/hail on metal-roof storage?

Very common claim. Expect 2%–5% deductibles and hail-resistant roofing credits.

Related: self storage insurance · storage facility coverage · customer goods legal liability

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your self-storage exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

Start Smart Intake

Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.