Storage facilities, insured unit by unit.
Property, liability and the coverages specific to storage: customer goods legal liability, sale and disposal for lien sales, and tenant protection programs.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
What a storage owner actually needs
A self storage facility needs building and liability coverage like any commercial property, plus coverage for claims tied to tenants' belongings: a unit damaged by a roof leak, or a lien sale a tenant later disputes.
I place storage facilities with carriers that write the class, and can pair the facility policy with a tenant protection or tenant insurance program so tenants' belongings are covered separately.
- PropertyBuildings, gates, fencing and office.
- General liabilityInjuries on the property.
- Customer goodsLegal liability for tenants' stored property.
- Sale and disposalClaims after a lien sale or disposal of contents.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Facility: address, year built and number of buildings.
- Units: count, square footage and climate control.
- Security: gate, cameras and on-site manager.
- Tenant program: whether tenants must carry protection.
- Values: building value and annual rents.
- History: current policy and loss runs.
Self storage insurance, answered
Does my policy cover tenants' belongings?
Not automatically. Customer goods legal liability covers claims where the facility is responsible. Tenants' own belongings are covered by a tenant protection plan or their own insurance.
What is sale and disposal coverage?
Coverage for claims from a tenant who says a lien sale or disposal of their contents was wrongful.
Can I offer tenants insurance?
Yes. Tenant protection and tenant insurance programs are common and can add revenue. I'll explain the options.
Is vehicle and RV storage covered?
It can be. Tell me how many spaces and whether they're covered or open.
Do you offer self storage insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send the facility details. I'll shop it.
The address, unit count and building value are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.