What does the TRAC contents program cover?
It protects against damage to, or loss of, your property from numerous different causes, including but not limited to Fire, Earthquake, Water Damage and Burglary. See your Summary of Coverage for a complete list of the covered causes.
I received a Certificate of Insurance and Summary of Coverage from Lloyds of London. What is it?
Your Certificate of Insurance and Summary of Coverage is proof of the coverage selection you made when you enrolled in the program. It details the amount of coverage you selected and gives a breakdown of covered causes. If you have questions about your Certificate or Summary, please call the licensed Customer Service Representatives at (888) — —–.
How do I sign up for the TRAC contents program?
Signing up for coverage is easy! For TRAC contents program on a storage unit or a mobile storage container, simply go to the leasing office and request a Lloyds of London Personal Contents Insurance Participation Form to complete or you can click here and self enroll.
What types of property are eligible for coverage?
Most of the personal property you own is eligible for coverage subject to certain limits and there ARE certain exclusions. These exclusions include but may not be limited to accounts, bills, firearms, currency, deeds, evidences of debt, securities, money, notes, animals, jewelry, watches, precious or semi-precious stones, furs and garments trimmed in fur. These items are not insurable under this policy. Coverage may also be declined on exotic, imported or high value contents. The policy is not designed to cover these types of items. Stated Value Insurance Policies are available from most local insurance agents for items like antique cars and other high value collectibles or antiques. Please note the above-mentioned list of exclusions is not a complete list of exclusions. Please refer to your Summary of Coverage for a complete list of exclusions.
Is flood covered?
Just as with regular Home Owners policies, damage from flood, surface water, waves, tides, tidal waves, storm surge, overflow of any body of water, or their spray is not covered. Flood Insurance is available from the Federal Government.
What is the difference between burglary and theft?
Burglary means stealing property by means of forcible entry into a securely locked storage unit or mobile storage container, provided there are marks of forcible entry on the exterior of the storage space or mobile storage container. Theft does not require forcible entry. Theft and Inexplicable Disappearance are not covered under this policy. The absence of a padlock does not constitute visible marks of forced entry of a self storage space or mobile storage container.