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Product Features for Personal Inland Marine Insurance
Short-term or annual policy options available
Named perils coverage (including burglary) with Actual Cash Value settlement
Insured premises and storage units must be secured
$250 base deductible; higher deductible options available
Competitive pricing across eligible risks
Contents in Mini-Storage – Did You Know?
As of 2007, 1 in 10 U.S. households rented space in a storage facility, up from 1 in 17 in 1995.
There are over 48,000 storage facilities across the U.S.
Self-storage facilities typically do not assume responsibility for stored items.
Some homeowners policies offer limited off-premises protection, often with higher deductibles than a tenant policy.
Water damage is a common tenant claim; facility owners are liable only when negligence is proven.
Available in the Following States
Michigan
Ohio
Illinois
Indiana
Wisconsin
Our philosophy at J.M. Wilson is Customers First.
That means every associate is focused on delivering fast, practical solutions to help you place personal lines business. As a Managing General Agency and E&S broker, J.M. Wilson combines specialty-lines experience with access to A-rated admitted and non-admitted markets to help you place hard-to-place personal inland marine risks — including items stored off site.
Our Personal Inland Marine program is designed for valuable personal property that may not be fully covered by a standard homeowners policy. We offer flexible policy terms and competitive pricing to help you meet client needs for mini-storage contents, collectibles, electronics, instruments, and other portable valuables.
Our personal lines service model includes:
* 24-hour turnaround on most quotes — often same-day
* Direct bill options for many personal lines accounts
* Easy access to knowledgeable, responsive underwriters for:
Online rating and submissions
Phone quotes and underwriting support
Coverage clarifications and endorsements
Financing quotes when needed
Types of accounts we’re currently having success with:
Dwelling/Fire
Homeowners (including high-value homes)
Personal Inland Marine (including mini-storage contents)
Personal Umbrella (including high-risk drivers)
In-home business exposures
All personal lines markets we represent are A-rated. We place both admitted and non-admitted paper to give you broader options for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this Personal Inland Marine program?This program is ideal for clients with valuable personal property — including items stored in secured mini-storage units — that is not fully covered under a standard homeowners policy.
Is mini-storage coverage included in the program?Yes. Contents stored in secured mini-storage units can be covered under this program, making it a strong option for insureds who rent storage space.
What coverage limits and deductibles are available?The program starts with a $250 base deductible, with higher deductible options available. Coverage is on a named-perils basis plus burglary, with Actual Cash Value settlement for covered losses.
How quickly can I get a quote?J.M. Wilson offers 24-hour turnaround on most quotes, and many are completed the same day. Our underwriters are available by phone or online to assist with submissions.
What states is this program available in?This program is currently available in Michigan, Ohio, Illinois, Indiana, and Wisconsin.
Need help placing an account? Connect with a market specialist.