Return to flip book view

WASHINGTON 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 Certificate will be referred to as you and your You and your also refer to the spouse of the person named as a tenant if a resident of the same household including a domestic partner registered under Washington law if a resident of the same household 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 Certificate 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 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 or non renewed 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 1 Fire 7 Smoke causing sudden and accidental loss or damage 2 Lightning 8 Vandalism meaning willful and malicious damage to or destruction of the 3 Windstorm or Hail insured property 4 Explosion or Sonic Boom 9 Falling Objects provided the exterior of the building containing the insured 5 Riot or Civil Commotion including a Acts of striking employees and property is first damaged by such falling objects 10 Weight of Ice Snow or Sleet 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 11 Water Damage except as excluded under subparagraphs 2 b 2 c 2 d 2 e a self propelled missile a vehicle or an object thrown by a vehicle with the 2 f and 2 p in EXCLUSIONS insured property or with the building or structure containing the insured 12 Collapse of Buildings containing the insured property other than by Earth property provided that the exterior of the building containing the insured Movement property is first damaged This cause of loss includes loss or damage by objects falling from aircraft ADDITIONAL COVERAGES We will also provide these additional coverages up to the amounts stated below 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 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 no more than the lesser of twenty five percent 25 of the Limit of Coverage or 1000 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 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 Firearms and ammunition e Contraband explosives or property in the course of illegal transportation or trade f Valuable papers and records including those which exist as electronic data g Photographs h Property in the storage facility against which the Owner has begun lien enforcement procedures i 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 by any of the excluded events described below Loss or damage will be considered to have been caused by an excluded event if the occurrence of that event 1 Directly and solely results in loss or damage or 2 Initiates a sequence of events that results in loss or damage regardless of the nature of any intermediate or final event in that sequence 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 109273 11 16 c Atmospheric conditions and or changes in temperature such as freezing d e f g h i j relative humidity or the presence of condensation or humidity moisture or vapor Loss of use or loss of market Flood surface water waves tides tidal waves overflow of any body of water or their spray all whether driven by wind or not Water or other water borne materials under the surface of the ground that back up or overflow from a sewer pipe drain or sump including such water or water borne materials that exert pressure on or seep leak or flow through a building sidewalk driveway foundation walls floors doors windows or other openings or other structure 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 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 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 Page 1 of 2 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved

However this exclusion will not apply to deny an insured s claim for an otherwise covered loss if such loss is caused by an act of Domestic Abuse by another insured under this Certificate and the insured making the claim a files a police report and cooperates with any law enforcement investigation relating to the act of Domestic Abuse and b did not cooperate in or contribute to the creation of the loss If we pay a claim pursuant to this paragraph our payment to the insured is limited to that insured s insurable interest in the insured property less any payments we first made to a mortgagee or other party with a legal secured interest in the insured property In no event will we pay more than the amount of Limit of Coverage As used in this Exclusion insured also includes you your spouse and relatives of either who are residents of your household 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 p Mechanical breakdown short circuiting blowout or other electrical disturbance to the insured property q 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 But if loss or damage by a covered cause of loss results we will pay for the loss or damage caused by that covered cause of loss 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 insured 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 wildfire 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 wildfire 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 in the case of Burglary or Robbery or 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 Provide us with photographic evidence of the damaged property and a complete inventory of the damaged or stolen property including quantities values and the amount of loss claimed 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 Cooperate with us in the investigation or settlement of the loss 6 File all notices of loss or damage to the insured property within 15 days of you vacating the storage space as described in the Rental Agreement or termination of your coverage 7 In the event of a Transit loss notify the police fire department or other appropriate law enforcement agency whenever another party is involved and as per applicable local or state legal requirements 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 However an oral or written misrepresentation may not void this Certificate unless made with the intent to deceive 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 we and you disagree on the value of the property or the amount of 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 loss If they fail to agree they will submit their difference to the umpire A decision agreed to 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 LOSS PAYMENT OTHER RECOVERIES We will pay for covered loss or damage within 30 days after we receive your proof of loss and have reached agreement with you on the amount of the loss there is an entry of a final judgment or an appraisal award has been made 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 under this Certificate unless 1 There has been full compliance with all the terms of this Certificate and 2 The action is brought within two years after you first have knowledge of the direct loss or damage If this action is brought pursuant to Sec 3 of RCW 48 30 then 20 days prior to filing such an action you are required to provide written notice of the basis for the cause of action to us and the Office of the Insurance Commissioner Such notice may be sent by regular mail registered mail or certified mail with return receipt requested TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO 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 Certificate This Certificate s terms can be amended or waived only by endorsement issued by us and made a part of this Certificate 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 this Certificate by notifying us or the insurance producer in one of the following ways a Written notice by mail fax or e mail b Surrender of this Certificate or c Verbal notice Upon receipt of such notice we will cancel this Certificate effective on the later of the following a The date on which notice is received or the Certificate is surrendered or b The date of cancellation requested by you 2 We may cancel this Certificate by mailing or delivering to you and the agent or broker written notice of cancellation including the actual reason for the cancellation to the mailing address shown in the Election Agreement at least a 10 days before the effective date of cancellation if we cancel for nonpayment of Premium or b 45 days before the effective date of cancellation if we cancel for any other reason 3 We will mail or deliver our notice to you at the address shown in the Election Agreement We will mail or deliver notice to the agent or broker at the same time and in the same manner 4 We will also mail or deliver to any mortgageholder pledgee or other person shown in the Certificate to have an interest in any loss which may occur under this Certificate written notice of cancellation prior to the effective date of cancellation Notice will be sent at the same time and in the same manner as that sent to you 5 Notice of cancellation will state the effective date of cancellation The Certificate period will end on that date 6 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 will be at least 90 of the pro rata refund 7 The unearned Premium if any will be refunded as soon as possible but not later than a 45 days after we send a notice of cancellation to you or b 45 days after we receive the Certificate or a notice of cancellation from you 8 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 of Washington 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 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 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 7 Domestic Abuse means a Physical harm bodily injury assault or the infliction of fear of imminent physical harm bodily injury or assault between family or household members b Sexual assault of one family or household member by another c Stalking as defined in RCW 9A 46 110 of one family or household member by another family or household member or d Intentionally knowingly or recklessly causing damage to property so as to intimidate or attempt to control the behavior of another family or household member 8 Actual Cash Value means the amount calculated that it would cost to repair or replace insured property at the time of loss or damage with material of like kind and quality Actual Cash Value applies to valuation of insured property regardless of whether that property has sustained partial or total loss or damage The Actual Cash Value of the lost or damaged property may be significantly less than its replacement cost NONRENEWAL OF THE CERTIFICATE 1 We may elect not to renew this Certificate by mailing or delivering written notice of nonrenewal stating the reasons for nonrenewal to you and your agent or broker at the last mailing addresses known to us We will also mail to any mortgage holder pledgee or other person shown in this Certificate to have an interest in any loss which may occur under this Certificate at their last mailing address known to us written notice of nonrenewal We will mail or deliver these notices at least 45 days before the expiration date of this Certificate 2 Otherwise we will renew this Certificate unless a You fail to pay the renewal Premium after we have expressed our willingness to renew including a statement of the renewal Premium to you and your insurance agent or broker at least 20 days before the expiration date b Other coverage acceptable to you has been procured prior to the expiration date of the Certificate or c The Certificate clearly states that it is not renewable and is for a specific line sub classification or type of coverage that is not offered on a renewable basis Producer 109273 11 16 Authorized Representative Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved