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Includes copywrited material of Insurance Services Office, Inc., with its permission. All rights reserved
FLORIDA CERTIFICATE OF STORAGE INSURANCE
New Hampshire Insurance Company
175 Water Street, New York, NY 10038
Master Policy #: 10570468
This Certificate of Storage Insurance (hereinafter “Certificate”) provides evidence of coverage under Master Policy # 10570468 (hereinafter “Policy”). Various provisions in this Certificate restrict
coverage. Read the entire Certificate carefully to determine rights, duties, and what is and is not covered. In this Certificate, the person who is named as a tenant in the Rental Agreement and has
elected insurance coverage under this Policy will be referred to as "you" and "your". The words "we," "us" and "our" refer to the Company providing this insurance. Other words and phrases that
appear in bold type have special meaning. Refer to the DEFINITIONS section at the end of this Certificate.
INSURING AGREEMENT: We will provide insurance under this Policy in consideration of your payment of the Premium corresponding to the Limit of Coverage elected by you as shown on the
Election Agreement. The most we will pay is the Limit of Coverage, in excess of the $100 deductible, unless such deductible is waived, as indicated on the Election Agreement. We will not pay
more than the Limit of Coverage per occurrence for all insured property while in storage within the enclosed storage space described in the Rental Agreement. For the purpose of identification and
reference, the certificate number assigned on your Election Agreement is deemed to be the Certificate Number assigned to this Certificate.
CERTIFICATE PERIOD: The insurance coverage will become effective under each Certificate on the Coverage Effective Date indicated on the Election Agreement at 12:01am standard time at the
storage facility address shown in the Rental Agreement. The insurance attaches from such time until the termination of the Rental Agreement, or when cancelled as provided herein. However,
coverage will not become effective while the storage facility is under a wildfire, tornado, tropical storm or hurricane watch or warning, until 12:01am the day after the watch or warning is lifted.
PROPERTY INSURED: The personal property insured under this Certificate consists of your personal property while in storage within the enclosed storage space described in the Rental Agreement.
We will also cover the personal property of others for which you may be liable or have assumed liability prior to a loss while in storage within the enclosed storage space described in the Rental
Agreement. However, we will not cover the property of the Owner whether it is within or outside such enclosed storage space.
COVERED CAUSES OF LOSS: We cover direct physical loss to insured property only while within the enclosed storage space described in the Rental Agreement and caused by the following:
3. Windstorm or Hail.
4. Explosion or Sonic Boom.
5. Riot or Civil Commotion, including: (a) Acts of striking employees; and
(b) Looting occurring at the time and place of a riot or civil commotion.
6. Aircraft or Vehicles, meaning only physical contact of an aircraft, a spacecraft, a self-
propelled missile, a vehicle or an object thrown up by a vehicle with the insured property or
with the building or structure containing the insured property. This cause of loss includes
loss or damage by objects falling from aircraft.
7. Smoke causing sudden and accidental loss or damage.
8. Vandalism, meaning willful and malicious damage to, or destruction of, the insured
9. Falling Objects, provided the exterior of the building containing the insured property is first
damaged by such falling objects.
10. Weight of Ice, Snow or Sleet.
11. Water Damage except as excluded under subparagraphs 2.b., 2.c., 2.d., 2.e., 2.f. and 2.p.
12. Collapse of Buildings containing the insured property, other than by Earth Movement.
ADDITIONAL COVERAGES: We will also provide these additional coverages up to the amounts stated below, subject to the Deductible. These additional coverages do not increase the
Limit of Coverage.
1. Burglary: We will pay up to the percentage of the Limit of Coverage you elected in your Election Agreement for loss by Burglary. The term Burglary means the act of stealing insured property by
forcible entry into the storage space described in the Rental Agreement, and must be evidenced by visible signs of forced entry. However, this coverage only applies when such storage space is
securely locked at the time of the forcible entry, and does not apply to the lien enforcement procedures by the Owner. A missing lock, or the presence of a lock different than the lock placed by you
on the storage space, is not sufficient, standing alone, to establish forcible entry. In the event of a Burglary claim, you will bear the burden of proof to establish that a burglary has occurred. In the
event of a Burglary Claim, you or the Owner must immediately report such Burglary to the appropriate law enforcement agency.
2. Robbery: We will pay up to the percentage of the Limit of Coverage you elected in your Election Agreement for loss by Robbery. The term Robbery means the act of stealing insured property by
violence or threat of violence against you or the Owner in order to gain unlawful access into the storage space described in the “Rental Agreement”. In the event of a claim of a Robbery, you or the
Owner must immediately report the Robbery to the appropriate law enforcement agency.
3. Debris Removal: We will pay your reasonable expense to remove debris of insured property caused by or resulting from a covered cause of loss up to 25% of the Limit of Coverage.
4. Transit: We will pay up to 100% of the Limit of Coverage for loss by fire or by the collision or overturn of a motor vehicle or trailer upon which insured property is being transported while such
property is in transit to or from the storage facility, provided such transit is within 100 miles of the storage space described in the Rental Agreement.
5. Extra Rental Expense: We will pay up to 25% of the Limit of Coverage to cover the reasonable extra expense necessarily incurred by you for the rental of substitute storage when occupancy of
the storage space described in the Rental Agreement is prevented as a result of direct physical loss or damage to the storage space as a result of a covered cause of loss.
6. Vermin: We will pay up to $250 under this Certificate to cover loss or damage by Vermin to insured property while in the enclosed storage space. For the purposes of this Additional Coverage,
Vermin means various small animals, including but not limited to rodents, and/or insects that are destructive. However, we will not pay for any loss or damage caused by the Cimicidae family of
insects (“bed bugs”). Additionally, we will not pay for loss or damage to insured property under this Additional Coverage if any food, food product or ingestible is stored in the storage space with the
1. Insured property does not include
a. Accounts, bills, currency, deeds, food stamps, other evidences of debt, contracts, titles,
money, notes, securities or lottery tickets;
c. Jewelry, watches, semi-precious/precious stones, furs or garments trimmed with fur;
d. Broken glass or similar fragile articles such as statuary, marble, chinaware and
e. Firearms and ammunition;
f. Contraband, explosives or property in the course of illegal transportation or trade;
g. Valuable papers and records, including those which exist as electronic data;
i. Property in the storage facility against which the Owner has begun lien enforcement
j. Property not placed within the enclosed storage space described in the Rental
Agreement (except as provided under Paragraph 4. Transit of ADDITIONAL
2. We will not pay for loss or damage caused directly or indirectly by any of the
following. Such loss or damage is excluded regardless of any other cause or event
that contributes concurrently or in any sequence to the loss:
a. Wear and tear, gradual deterioration, decay, inherent vice, latent defect, or vermin
(except as provided under Paragraph 6. Vermin of ADDITIONAL COVERAGES).
b. Presence, growth, proliferation, spread or any activity of fungus (including mold or
mildew and any mycotoxins, spores, scents or by-products produced or released by
fungi), wet or dry rot or bacteria.
c. Atmospheric conditions and/or changes in temperature, such as freezing.
d. Loss of use or loss of market.
e. Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their
spray, all whether driven by wind or not.
f. Water or other materials that back up or overflow from a sewer, pipe, drain or sump.
g. War, including undeclared or civil war, or warlike action by a military force, including
action in hindering, or defending against an actual, or expected attack, by any
government, sovereign or other authority using military personnel or naval or other
agents; war, including undeclared or civil war.
h. Insurrection, rebellion, revolution, usurped power, or action taken by governmental
authority in hindering, or defending against any of these.
Nuclear reaction or radiation, or radioactive contamination, however caused. But if
nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay for
the loss or damage caused by that fire.
j. Intentional loss, meaning any loss arising out of any act that you commit or you
conspire to commit with the intent to cause a loss.
k. Seizure or destruction of insured property by order of governmental authority. But we
will pay for loss or damage caused by or resulting from acts of destruction ordered by
governmental authority and taken at the time of a fire to prevent its spread, if the fire
would be covered under this Certificate.
l. Smoke from cigarettes, cigars, pipes or other similar smoking products.
m. Your neglect in using all reasonable means to save and preserve the insured property
from further damage at and after the time of loss.
n. Contaminants or hazardous materials.
o. Mysterious disappearance of insured property.