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Program Highlights: Colonial General Insurance Agency, Inc. offers a Contents in Mini Storage Insurance program that helps agents and brokers place coverage for personal household goods stored in commercial mini-storage facilities. The program supports short-term and annual terms and provides flexible underwriting options through admitted and non-admitted markets to fit a range of storage timelines and exposures. Overview of the Program From Colonial General This program is designed to insure unscheduled household contents stored off-premises in commercial storage units. It protects personal property for named perils and burglary exposures while stored in secured, commercial mini-storage facilities. Colonial General places this business with multiple carriers, using admitted or excess & surplus markets where appropriate to secure the best solution for each risk. Ideal Accounts and Appetite This program is aimed at individual clients who need protection for household contents kept in commercial storage units. Typical fits include: People relocating who need temporary storage for household goods Seasonal residents storing furniture and personal items during the off-season College students storing belongings between terms Homeowners downsizing who place excess personal property in storage Commercial use of units is acceptable only when the stored items are strictly personal household contents. Business equipment, inventory, or professionally used high-value property is generally not eligible under this program. Coverage Highlights and Advantages Key features agents can offer through Colonial General’s Contents in Mini Storage program include: Named perils coverage with burglary protection Claims settled on an Actual Cash Value (ACV) basis $250 base deductible with higher deductible options available Deductible credits that can lower premium when insureds choose higher deductibles Availability of short-term (temporary) or annual policy terms Competitive access to multiple markets to improve placement options Underwriting Notes and Minimum Premiums Underwriting focuses on facility security and the nature of the stored property. Requirements typically include locked gates, individual unit locks, and on-site surveillance or other adequate security measures. The program is limited to personal household contents; business property and high-value scheduled items may be excluded or require alternative placement. Minimum premium varies by carrier and market. Agents should discuss minimums and deductible credit options with a Colonial General market specialist when requesting a quote. Territories and Availability This program is currently available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place accounts in admitted or non-admitted markets depending on the state, carrier appetite, and the specific underwriting characteristics of the risk. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep personal-lines expertise with broad market access. Their underwriting team is responsive and experienced at placing niche personal property risks that may be hard to place in standard markets. Agents benefit from flexible policy terms, multiple market options, and underwriting guidance to help secure timely placements for their clients. Frequently Asked Questions What types of accounts are a good fit for this program?Individuals storing personal household items in commercial mini-storage units—such as clients who are relocating, seasonal residents, college students, or those downsizing—are the primary fit. Can this program cover business inventory or equipment stored in units?No. The program is designed for unscheduled household contents only. Business property, inventory, and equipment are not eligible under this policy. What policy terms are available?Agents can place short-term (temporary) or annual policies, depending on the insured’s storage timeframe and needs. Are deductible options available?Yes. The base deductible is $250, and higher deductible options are available. Selecting a higher deductible may qualify the account for deductible credits and lower premium. Which states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY; placement may be via admitted or non-admitted markets depending on the state and carrier. Need help placing an account? Connect with a market specialist.