BOB BADER CO. INSURANCE

Answers to frequently asked questions about available insurance protection.

Q: What does this insurance cover?
A: It protects you against damage to, or loss of, your property from 32 different causes, including Fire, Earthquake, Water Damage, and Burglary. There are some qualifications and exclusions. See your Certificate of Insurance for a complete list of the covered causes. A copy of your certificate is available at your facility's office.

Q: Won't my homeowners insurance cover my property?
A: Homeowners insurance comes in many different forms. Some policies cover the property you have in storage, others will not. Homeowners insurance is issued at various levels of coverage. Also, some types of property may not be covered. Business property, for example, is usually not covered by home owners insurance.

Q: What types of property are eligible for coverage?
A: Almost any personal or business property you store is eligible for coverage. Some of the exceptions are items such as accounts, bills, firearms, currency, deeds, evidence of debt, securities, money, notes, animals, jewelry, watches, precious stones, and furs are not insurable under this policy.

Q: Is my boat (or car) stored outside covered?
A: Yes. Property stored outside is covered for all the same types of damage or loss EXCEPT damage from hail or Vandalism & Malicious Mischief.

Q: Is flooding covered?
A: Just as with regular homeowner policies, damage from flood or rising water is not covered. Flood insurance is available from the Federal Government.

Q: Can my workshop or office in the storage space I rent be covered?
A: No. This policy is not designed to provide liability insurance or regular business or hobby protection.

Q: What is the difference between burglary and theft?
A: Burglary means stealing property by means of forcible entry into a securely locked storage space, provided there are marks of forcible entry on the exterior of the storage space. Theft does not require forcible entry. Theft and Mysterious Disappearance are not covered under this policy.

Q: What is the maximum amount of coverage I can get?
A: The maximum amount of insurance that we can provide is $20,000 per unit. All business property coverage must be pre-approved. All other property in excess of $5,000 must be pre-approved. Call us at (305) 235-8555 for approval and premium charges.

Q: When does the coverage start?
A: Coverage starts when you complete and sign the Enrollment Form, pay your first month's premium and move your property into the unit at your storage facility. Property is also covered in transit to, and within 100 miles of the storage facility.

Q: When does the insurance stop?
A: This is a pay-as-you-go, monthly renewable policy. Normally, your coverage continues as long as you pay your monthly premium. If you terminate your lease and move out, coverage stops when you move out.