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109361 (11/11) Page 1 of 2
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
Certificate #_______________________________
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.
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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.
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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:
1. Fire.
2. Lightning.
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
property.
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.
in EXCLUSIONS
.
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
insured property.
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EXCLUSIONS:
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;
b. Animals;
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
porcelains;
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;
h. Photographs;
i. Property in the storage facility against which the Owner has begun lien enforcement
procedures;
j. Property not placed within the enclosed storage space described in the Rental
Agreement (except as provided under Paragraph 4. Transit of ADDITIONAL
COVERAGES).
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.
i.
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.

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109361 (11/11) Page 2 of 2
Includes copywrited material of Insurance Services Office, Inc., with its permission. All rights reserved
p. Accidental discharge of substances from within plumbing, heating, air conditioning or
fire protective systems.
q. Mechanical breakdown, short circuiting, blowout or other electrical disturbance to the
insured property.
r. Earth Movement, including: (a) Earthquake, including any earth sinking, rising or shifting
related to such event; (b) Landslide, including any earth sinking, rising or shifting related
to such event; or (c) Sinkhole Collapse, meaning loss or damage caused by the sudden
sinking or collapse of land into underground empty spaces created by the action of
water on limestone or dolomite. But if Earth Movement results in fire or explosion, we
will pay for the loss or damage caused by that fire or explosion.
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DEDUCTIBLE: We will not pay for loss until the amount of the loss exceeds the $100 Deductible, unless such deductible is waived, as indicated on the Election Agreement. We will pay the amount
of the loss in excess of the Deductible up to the applicable Limit of Coverage.
VALUATION: The value of the insured property will be determined at the time of the loss or damage and will be the least of the following amounts: (1) The actual cash value of the lost or damaged
insured property; (2) The cost of repairs to the damaged insured property; (3) The cost of replacing the lost or damaged insured property with other property of like kind and quality.
PAIR, SET OR PARTS: (1) In case of loss to any part of a pair or set we may: (a) repair or replace any part to restore the pair or set to its valuation before the loss; or (b) pay the difference between the
actual cash value of the pair or set before and after the loss. (2) In case of loss to any part of covered property, consisting of several parts when complete, we will pay only for the valuation of the lost or
damaged part.
OTHER INSURANCE: Except for losses caused by a named hurricane, named tropical storm, or tornado, if a loss covered by this Certificate is also covered by other insurance; this insurance shall be
primary over any other valid and collectible insurance available to you, unless elected otherwise by you. In the event of a loss as a result of a named hurricane, named tropical storm, or tornado, this
Certificate will pay only the proportion of the loss that the Limit of Coverage bears to the total amount of insurance covering the loss.
DUTIES IN THE EVENT OF LOSS OR DAMAGE: You must do the following in the event of loss or damage to the insured property:
(1) Notify the police if a law has been broken. (2) Give us or an authorized claim representative prompt notice within 30 days of the discovery of the loss or damage. Include a description of the
property involved and your interest in the property. (3) Give us a description of how, when and where the loss or damage occurred, including the names addresses and telephone numbers of any
witnesses. (4) Take all reasonable steps to protect the insured property from further damage. (5) File all notices of loss or damage to the insured property within 5 days of you vacating the storage
space as described in the Rental Agreement or termination of your coverage.
CONCEALMENT, MISREPRESENTATION AND FRAUD: This Certificate is void in any case of fraud by you as it relates to this Certificate at any time. It is also void if you at any time intentionally
conceal or misrepresent a material fact concerning: (1) This Certificate; (2) The insured property; or (3) Your interest in the insured property.
EXAMINATION UNDER OATH: Before recovering for any loss, if requested, you will: (1) Permit us to inspect the damaged property before it is disposed of or repaired; (2) Send us a sworn statement
of loss containing the information we request to settle a claim within 60 days of our request; (3) Agree to examinations under oath at our request; (4) Produce others for examination under oath at our
request; (5) Provide us with all pertinent records needed to prove the loss; and (6) Cooperate with us in the investigation or settlement of the loss.
APPRAISAL: If you and we disagree on the value of the insured property or the amount of the loss, either may make written demand for an appraisal of the loss. In this event, each party will select a
competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers
will state separately the value of the property and amount of the loss. If they fail to agree, they will submit their differences to the umpire. A decision by any two will be binding. Each party will: (1) Pay
its chosen appraiser; and (2) Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will s
till retain our right to deny the claim.
LOSS PAYMENT, OTHER RECOVERIES: We will pay for covered loss or damage within 20 days after we receive the sworn proof of loss and we have reached agreement with you on the amount of
the loss, or 30 days after we receive the sworn proof of loss and
an appraisal award has been made or the filing of any arbitration award, or there is an entry of final judgment; whichever is earlier. We
will not be liable for any part of a loss which has been paid by others.
LEGAL ACTION AGAINST US: No one may bring a legal action against us unless there has been full compliance with all the terms of this insurance and such action is brought within five years after
the date on which the physical loss or damage occurred.
TRANSFER RIGHTS OF RECOVERY AGAINST US: If any person or organization to or for whom we make payment under this insurance has rights to recover damages from another, those rights are
transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after the loss to impair them.
CHANGES: This Certificate contains agreements between you and us concerning the insurance afforded under the Policy. This Policy’s terms can be amended or waived only by endorsement issued
by us and made a part of this Policy.
AUTOMATIC TERMINATION OF CERTIFICATE: The insurance evidenced by this Certificate will automatically terminate without notice to you on the date the Rental Agreement between you and the
Owner is terminated.
CANCELLATION OF CERTIFICATE: (1) You may cancel the Certificate by mailing or delivering to us advance written notice of cancellation. (2) If this Certificate has been in effect for 90 days or less,
we may cancel this Certificate by mailing or delivering to you written notice of cancellation, accompanied by the specific reasons for cancellation, at least: (a) 10 days before the effective date of
cancellation if we cancel for nonpayment of Premium; or (b) 20 days before the effective date of cancellation if we cancel for any other reason, except we may cancel immediately if there has been: (i)
A material misstatement or misrepresentation; or (ii) A failure to comply with underwriting requirements established by us. (3) If this Certificate has been in effect for 90 days or less, we may not cancel:
(a) On the basis of property insurance claims that are the result of an act of God, unless we can demonstrate, by claims frequency or otherwise, that you have failed to take action reasonably necessary
as requested by us to prevent recurrence of damage to the insured property; or (b) On the basis of filing of claims for partial loss caused by sinkhole damage or clay shrinkage, regardless of whether
this policy has been the subject of a sinkhole or clay shrinkage claim, or on the basis of the risk associated with the occurrence of such a claim. However, we may cancel this Certificate if the total of
such property insurance claim payments for this Certificate exceeds the current Limit of Coverage for property damage; (c) Solely on the basis of a single property insurance claim which is the result of
water damage, unless we can demonstrate that you have failed to take action reasonably requested by us to prevent a future similar occurrence of damage to the insured property. (4) If this policy has
been in effect for more than 90 days, we may cancel this policy only for one or more of the following reasons: (a) Nonpayment of Premium; (b) The Certificate was obtained by a material misstatement;
(c) There has been a failure to comply with underwriting requirements established by us within 90 days of the effective date of coverage; (d) There has been a substantial change in the risk covered by
the Certificate; (e) The cancellation is for all insureds under such policies for a given class of insureds; (f) On the basis of property insurance claims that are the result of an act of God, if we can
demonstrate, by claims frequency or otherwise, that you have failed to take action reasonably necessary as requested by us to prevent recurrence of damage to the insured property; (g) On the basis of
filing of claims for partial loss caused by sinkhole damage or clay shrinkage, or on the basis of the risk associated with the occurrence of such a claim, if: (i) The total of such property insurance claim
payments for this Certificate exceeds the current Limit of Coverage; or (ii) You have failed to repair the structure in accordance with the engineering recommendations upon which any loss payment or
Certificate proceeds were based; or (h) On the basis of a single property insurance claim which is the result of water damage, if we can demonstrate that you have failed to take action reasonably
requested by us to prevent a future similar occurrence of damage to the insured property. (5) If we cancel this Certificate for any of the reasons in Paragraph (4), we will mail or deliver you written notice
of cancellation, accompanied by the specific reasons for cancellation, at least: (a) 10 days before the effective date of cancellation if cancellation is for nonpayment of Premium; or (b) 45 days before
the effective date of cancellation if cancellation is for one or more of the reasons stated in Paragraphs (4)(b) through (4)(h) above. (6) We will mail or deliver our notice to you at the address shown in
the Election Agreement. (7) Notice of cancellation will state the effective date of cancellation. The Certificate period will end on that date. (8) If this Certificate is cancelled, we will send you any
Premium refund due. If we cancel, the refund will be pro rata. If you cancel, the refund may be less than pro rata. If the return Premium is not refunded with the notice of cancellation or when this
Certificate is returned to us, we will mail the refund within 15 working days after the date cancellation takes effect. The cancellation will be effective even if we have not made or offered a refund. (9) If
notice is mailed, proof of mailing will be sufficient proof of notice.
CONFORMITY WITH STATE STATUTES: If the terms of this Certificate are in conflict with the laws of the state wherein the Certificate is issued, they are hereby amended to conform to such statutes.
DEFINITIONS: (1) Owner: means the owner, landlord or operator of the self-storage facility. (2) Rental Agreement: means the Lease Rental Agreement, executed and in effect between you and the
Owner. (3) Limit of Coverage: means the maximum amount (subject to the deductible) payable for physical loss or damage to the insured property per occurrence as designated by you in the
Election Agreement. (4) Premium: means the amount shown in the Election Agreement as designated by you as the monthly amount payable for the insurance. (5) Election Agreement means the
Personal Property Insurance Election Agreement completed by you in order to elect coverage under this Master Policy. (6) Certificate of Storage Insurance means the certificate that provides
evidence of coverage for an Insured under this Master Policy.
Producer:
Authorized Representative

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