Box-n-Go Protection Plans and Damage Waivers
Your belongings are stored at our indoor, climate-friendly warehouse — secured, off the ground, away from the elements, and locked behind doors only Box-n-Go personnel access. In twenty years of operation we have never had a break-in or a fire at our facility. Most customers store with us for months or years without a single issue.
That said, no one can guarantee the future. Disasters happen, equipment fails, accidents occur. That’s the cake — reliable storage — and this page is about the icing on top: the coverage that’s there for the rare situation when something does go wrong.
This page covers two different things, structured differently. The first two product families — Facility Storage Protection Plans and Student Storage Protection Plans — cover your belongings while they’re at our warehouse. The third product family — On-Site Storage Damage Waivers — covers Box-n-Go’s equipment while a container sits at your property. Different products, different mechanics.
For belongings coverage (Facility and Student plans), your homeowner’s, renter’s, or business insurance is your primary protection. Most policies cover personal property stored away from your home — but with a deductible, usually $500 to $2,500. That deductible is what you’d pay out of pocket before the insurance pays anything. Box-n-Go’s optional plans are designed to fill that gap so a covered loss doesn’t cost you anything out of pocket.
Every Box-n-Go customer gets some free baseline belongings coverage automatically. Not much — $250 per container for facility storage, $100 per item with a $1,000 account cap for student storage. It’s the floor of basic protection that handles small losses without anyone touching insurance. For bigger losses, the free baseline catches the bottom, your home insurance catches the top, and the optional plan covers the deductible gap in between.
For on-site equipment damage, the model is different. There’s no free baseline — if no waiver is elected and a container is damaged at your property, you’re fully responsible for the repair or replacement cost. The waiver tiers cap that exposure at the tier amount. Details in the On-Site section below.
One thing that makes us different across all three product families. Rental car companies require you to show proof of insurance or buy theirs at the counter. Most storage companies do the same. Box-n-Go doesn’t force a purchase. We give you the free baseline automatically (on belongings) and offer optional plans and waivers if you want them. The choice is yours.
Facility Storage Protection Plans
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Facility Storage applies when your container is at our indoor warehouse — which is the case for most Box-n-Go storage customers. We pick it up loaded, transport it to the warehouse, and store it indoors until you call us to bring it back. While it’s at the warehouse, it’s exposed to the things that affect any indoor stored property: fire, water damage from external sources, theft if forced entry happens, structural events, vandalism. |
What you get free
Box-n-Go’s baseline liability for facility storage is $250 per container. If something happens to the contents of a single container and you don’t have an optional plan, $250 is the maximum Box-n-Go pays toward that loss.
The per-container part matters when you have multiple containers. Each container has its own separate $250 cap. They do not combine into one larger pool. A customer with three containers and no optional plan has $250 of coverage on each container — not $750 total available for one container if that’s the one that suffers a loss. Claims are evaluated container-by-container.
For a small loss — say a $200 chair gets damaged during pickup — the $250 baseline covers it without anyone touching home insurance. For anything larger, the baseline is a floor and your home insurance is the primary protection above it. The optional plans below raise that per-container cap.
Optional Plans — Bronze, Silver, Gold
Three optional plan tiers raise the per-container liability cap from the $250 baseline. Choose the tier that matches the value you have at risk and the deductible on your home insurance:
| Plan tier | Coverage limit | Best fit for |
|---|---|---|
| Bronze | $1,000 | Smaller loads, lower home-insurance deductibles, customers wanting more than the baseline |
| Silver | $2,000 | Typical household contents, matches the higher end of common home-insurance deductibles |
| Gold | $5,000 | Higher-value contents, business inventory, customers who want maximum gap coverage |
All three tiers have a zero deductible, cover business property in addition to personal property, and stay in effect as long as the monthly plan fee is paid. Plan fees are charged per unit per month at current published rates.
When something goes wrong — how the math works
A concrete example to make the gap-coverage idea visible. Same $4,500 water damage event, three different setups:
Scenario A — Without an optional plan
Box-n-Go pays the $250 baseline. You file on your homeowner’s insurance for the remaining $4,250. Your deductible is $1,500, so the policy pays $2,750 and you cover $1,500 out of pocket. You’re out $1,500. Your insurance also records a claim on your loss history, which can affect future premiums.
Scenario B — With a Silver $2,000 plan
Box-n-Go pays $2,000 toward the loss. You file on your homeowner’s insurance for the remaining $2,500. Your deductible is $1,500, the policy pays $1,000, and Box-n-Go’s plan has already covered the $1,500 you would have owed. You’re out $0.
Scenario C — No plan, you absorb the loss yourself to protect your premiums
Box-n-Go pays $250. You pay the remaining $4,250 directly because you’d rather not file an insurance claim that affects your premiums. You’re out $4,250.
That’s the deductible-gap idea — the optional plan isn’t replacing your home insurance, it’s covering the part your home insurance leaves on you.
How Box-n-Go works with your home insurance
A side-by-side look at what a typical homeowner’s or renter’s insurance policy covers versus what a Box-n-Go Facility Storage Protection Plan adds. Your specific home insurance policy may differ — check with your insurance agent for what your policy actually covers when belongings are stored away from your home.
| Coverage detail | Home / Renter insurance | Box-n-Go optional plan |
|---|---|---|
| Deductible per claim | $500 to $2,500 typical | None |
| Off-premises stored property coverage | Limited (often 10% of personal property limit) | Full plan limit |
| In-transit coverage (local delivery area) | ✗ | ✓ |
| Breakage of contents | ✗ | ✓ (excludes damage from improper packing) |
| Vandalism at the storage facility | ✓ | ✓ |
| Theft (with forced entry and police report) | ✓ | ✓ |
| Fire, smoke, lightning | ✓ | ✓ |
| Hurricane, tornadoes, typhoons, cyclones | ✓ | ✓ |
| Flood, earthquake | ✗ | ✗ |
| Hail, windstorm | ✓ | ✓ |
| Water damage (external sources) | ✓ | ✓ |
| Building collapse | ✓ | ✓ |
| Moth, vermin, mold | ✗ | ✗ |
| Riot, civil commotion | ✓ | ✓ |
| Business property coverage | ✗ (excluded under most personal policies) | ✓ |
The takeaway: home insurance covers most of the same major perils — and so does Box-n-Go’s plan. What Box-n-Go adds is the no-deductible coverage that fills the part of a loss your home insurance leaves on you, plus business property coverage that most personal policies exclude.
Coverage details
The complete list of what’s covered and what’s excluded is in our customer agreement. Quick summary: Covered causes of loss: fire, lightning, wind, hail, smoke, falling objects, riot or civil commotion, vandalism and malicious mischief, burglary (with forced entry and police report), collapse of the storage center, certified acts of terrorism, collision, upset or overturning of the container. Not covered: earthquake, flood, mold/mildew, damage from insects/moth/birds/vermin, war or military action, nuclear reaction, mysterious causes, theft without evidence of forced entry, damage from improper packing or overweight items, damage caused by prohibited items in the unit. Prohibited items (cannot be stored): money, jewelry, furs, firearms, computer software or programs, credit cards, perishables, flammables, hazardous materials, and other irreplaceable or dangerous items. Storing these voids coverage for them and for anything they damage. Full prohibited items list and service policies. Filing a claim: Call 877-269-6461 right away. Don’t discard damaged items until the claim is documented. Take photos. We’ll walk you through the inventory and documentation steps. Written notice must be provided within 30 days of the loss. More on claims in the FAQ below.
Student Storage Protection Plans
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Student Storage Protection applies to the Box-n-Go U valet storage service — the by-the-box, A La Carte pickup from inside the dorm or apartment. Same indoor warehouse as Facility Storage, same covered perils, but priced and limited differently because student storage is by-the-box rather than by-the-container. Note: Self-Load Flex student storage uses Flex containers stored at our warehouse and is covered under the Facility Storage Protection Plans above, not under Student Storage Protection. If your student is using a Flex container, scroll back to the Facility section for those plan options. |
What students get free
Box-n-Go’s baseline liability for Box-n-Go U valet storage is $100 per box or item, capped at $1,000 total per account. If a single box gets lost or damaged, Box-n-Go pays up to $100 for that box. If multiple items are affected in one event, the total payout across all of them is capped at $1,000 per account, even if 20 items × $100 would mathematically be $2,000. This baseline handles small dorm-room losses — a damaged box of bedding, a missing storage bin — without anyone touching home insurance. For higher-value student belongings (laptops, instruments, furniture), an optional plan or the parent’s homeowner’s policy is the better protection.
Optional Plans — Bronze, Silver, Gold
Student plan tiers are smaller than Facility plans because student-storage volume and value are typically smaller:
| Plan tier | Coverage limit | Best fit for |
|---|---|---|
| Bronze | $200 | Minimal volume, dorm residents storing a few boxes |
| Silver | $350 | Typical dorm or shared apartment volume |
| Gold | $500 | Higher-value belongings, full apartment volume, peace of mind |
Like the Facility plans, all three student tiers have zero deductible and stay in effect as long as the monthly plan fee is paid.
How student coverage works with the parent’s home insurance
A point that often comes up: most parents’ homeowner’s insurance policies do cover the student’s belongings while they’re stored — but with the same deductible structure as any other claim. A $1,500 deductible on the parent’s policy means that’s what the parent would pay out of pocket on any loss above the Box-n-Go baseline. For dorm storage, where total value is usually $1,500-$3,000, the Box-n-Go baseline plus Bronze or Silver tier often covers the entire likely loss range without needing to touch the parent’s policy at all. For higher-volume student storage (full apartment moves), the parent’s homeowner’s policy plus the Gold tier covers the deductible portion if a larger loss occurs. The optional plan election is a written add-on at the time of storage signup. Plan fees are charged per box/item per month at current published rates.
- No truck to rent. We deliver storage to you!
- Load/Unload only once.
- Pay only for space you use.
- Secure, climate-friendly facility.
- Ground access
No Truck to rent…EVER!
- Save money and time.
- Reduce the risk of accidents and injuries.
- No need to pay for gas, insurance & mileage!
Load ONCE Storage Solution!
- You only need to load your belongings once!
- No need to load and unload it all again into a storage unit.
- All containers come with easy ground level access!
Pay Only for the Space You Use!
(if storing at our facility)
- No not need to guess on how much space you actually need.
- Order an extra 8’ x 5’ unit. Do not use it – do not pay for it.
Secure, Climate-Friendly Facility!
- Highest degree of security and protection.
- Our 8’ x 5’ units are breatheable – no mold or mildew.
- No funky smell when your belongings return.
EASY Drive-Up Access!
(if storing at our facility)
- Access your units at ground level.
- No elevators, ramps, stairs to climb.
- Schedule access appointment & drive straight to your units.
On-Site Storage Damage Waivers
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On-Site Storage Damage Waivers apply when a Box-n-Go container is delivered to your property and stays there — at your driveway, business location, parking spot, construction site — instead of coming back to our warehouse. This product is structurally different from the two above. The first two cover your contents while at our warehouse. This one covers Box-n-Go’s equipment while it sits at your property. There is no free baseline here — if no waiver is selected and the container is damaged at your address, you are fully responsible for the repair or replacement cost. The waiver tiers cap that responsibility at a tier amount you select. |
Damage scenarios — what the waiver protects against
The risks below are the kinds of damage the On-Site Damage Waiver is designed to address. They can occur at any storage location — residential driveway, business lot, job site, parking area — to any container belonging to any portable storage company. The point of the waiver is to cap your exposure at the tier amount you select, instead of leaving you fully liable for the cost of repair or replacement.
Contractor or vendor damage at a job site
A contractor’s truck backs into the container. Equipment moving through the work zone catches the wall or door. Cost range for repair: $1,500–$2,500. Without a waiver, the customer is liable to Box-n-Go for the full repair cost and would need to pursue the contractor separately for reimbursement.
Vandalism and graffiti
A container parked overnight on the street, in a commercial lot, or at a job site gets tagged with spray paint. The vinyl wraps and branding need to be stripped and replaced. Cost range: $300–$500. With a Bronze waiver ($1,500 limit), the full graffiti cost is covered.
Storm and weather damage
A windstorm sends a branch onto the container. A falling tree limb punctures the roof or bends the frame. Cost range for structural repair: $2,000 and up. With a Silver waiver ($2,500 limit), the cost is fully covered.
Vehicle impact
A family member, tenant, visitor, or delivery driver backs a vehicle into the container in the driveway. Auto insurance often does not pay — the incident occurred on private property, the driver may be uninsured for property damage, or the cost falls under the auto deductible. Cost range: $1,000–$3,000 depending on severity. Without a waiver, the customer is liable to Box-n-Go directly.
Fire at the property
A garage fire, a neighboring property fire, or a wildfire reaches the container. Cost range: up to the full replacement value of the container ($3,000–$5,000+ depending on size). Without coverage, the customer is liable to Box-n-Go for the full replacement value. Note: the waiver does not cover fire — see exclusions below. This scenario illustrates the underlying liability, not what the waiver covers. Customer’s homeowner’s or business property insurance is the protection path for fire.
Theft of container or components
Door hardware, locking mechanisms, vinyl wrap signage, or the container itself is stolen while at the customer’s property. Cost varies based on what is taken. Note: the waiver does not cover theft — see exclusions below. This scenario illustrates the underlying liability, not what the waiver covers.
How the waiver works — concrete math
The waiver tier you select is the maximum Box-n-Go covers toward the cost of repair or replacement. The customer is responsible for any damage cost above the tier limit.
Scenario A — $4,000 container damage with a $2,500 Silver waiver
The waiver covers $2,500. You owe Box-n-Go $1,500 (the difference above the tier limit).
Scenario B — Same $4,000 damage, no waiver elected
You owe Box-n-Go the full $4,000 — the repair or replacement cost.
Scenario C — $1,500 graffiti job with a $2,500 Silver waiver
The waiver covers the full $1,500. You owe Box-n-Go $0.
Scenario D — Same $1,500 graffiti, no waiver elected
You owe Box-n-Go the full $1,500.
The waiver isn’t all-or-nothing. It caps your exposure at the tier amount; anything above the tier is on you.
Waiver options
Three tier options. Pick the one that matches the risk profile of your storage location:
| Tier | Monthly fee | Coverage limit | Best fit for |
|---|---|---|---|
| Bronze | $15 per unit | $1,500 | Low-risk residential locations, cosmetic damage scenarios |
| Silver | $25 per unit | $2,500 | Active job sites, business locations, higher-traffic areas |
| Gold | $40 per unit | $3,500 | High-risk locations, XL containers, full structural replacement scenarios |
| No coverage | $0 | $0 — full liability stays with the customer | Customers who carry GL or homeowner’s coverage and are comfortable absorbing the risk themselves |
Why business customers especially benefit
Business customers often choose a waiver tier even when they have General Liability (GL) insurance that would technically cover the damage. The reason isn’t the deductible — it’s the premium impact. A GL insurance claim, even a small one, goes onto the business’s loss history. Carriers track loss history closely, and a single claim can raise the business’s annual premium by 5-15% — or more — for several years afterward. A $1,500 graffiti claim paid by GL today might cost the business $500-$1,500 per year in higher premiums for the next 3-5 years. The math gets ugly fast. The waiver lets the business absorb the damage cost cleanly. No claim filed, no premium impact, no loss history. For a business renting a container at a job site or commercial location for several months, the waiver fee ($15-$40 per unit per month) is usually a smaller hit than the multi-year premium impact of a GL claim. The same logic applies to homeowners with bundled policies — small storage claims can affect future rates on the entire bundle. We often advise business customers on this trade-off when they’re setting up an on-site storage arrangement. Call us at 877-269-6461 if you want to talk through it for your specific situation.
What the waiver does NOT cover
The On-Site Damage Waiver covers accidental physical damage to Box-n-Go equipment. It does not cover:
- Intentional acts or misuse by the customer
- Overloading beyond published weight limits
- Fire, arson, explosion, or illegal activity
- Theft or disappearance of the container or components
- Acts of third parties (vandalism by unknown actors is a gray area — talk to us about specifics)
- Failure to comply with the storage agreement (improper placement, prohibited storage practices, unauthorized relocation)
For losses that fall outside the waiver, the customer is fully responsible up to the full replacement value of the equipment. Customer’s own GL or homeowner’s insurance may cover some of these scenarios — check with your agent.
Frequently Asked Questions
What coverage do I get for free, just by being a Box-n-Go customer?
For Facility Storage: $250 per container is Box-n-Go’s maximum liability without an optional plan. For Student Storage: $100 per box/item with a $1,000 per account aggregate cap. For On-Site Storage: nothing — if no waiver is elected, the customer is fully responsible for damage to Box-n-Go equipment at the customer’s property. The free coverage on contents storage handles small losses without needing to involve home insurance; for larger losses it works as a floor under the customer’s home insurance deductible.
Is the optional coverage insurance?
No. Box-n-Go is not an insurance company and is not an insurance agent. The optional Protection Plans and Damage Waivers are contractual limitations of liability — Box-n-Go agrees to pay up to the plan limit toward a covered loss. They function similarly to insurance for the customer’s purposes but are not regulated as insurance products. The required legal disclaimer at the bottom of this page covers this point.
What if I already have homeowner’s or renter’s insurance?
Most likely your policy covers your belongings while stored — but with a deductible that’s often $500 to $2,500, and with an off-premises coverage cap that’s often 10% of your total personal property limit. The Box-n-Go optional plan is designed to fill that deductible gap so you don’t pay anything out of pocket on a covered loss, and to provide stronger coverage for the off-premises portion. Talk to your insurance agent about what your specific policy covers for stored property, including whether it covers business property (most personal policies don’t).
How do I file a claim?
Call 877-269-6461 right away to make an initial report. We’ll walk you through what’s needed. For loss due to burglary or vandalism, you’ll need a police report with documented signs of forced entry. Don’t discard damaged items until the claim is documented. Take photographs and video as you find the damage. You’ll be asked to create an inventory of lost or damaged items and to provide evidence of ownership. Written notice of the claim must be provided within 30 days of the loss. Claims are settled based on actual cash value of the goods at the time of loss.
Are business contents covered under the Facility Plans?
Yes. Box-n-Go Facility Storage Protection Plans cover business property in addition to personal property. This differs from most personal homeowner’s or renter’s policies, which generally exclude business property. If you’re storing office furniture, retail inventory, file boxes, equipment, restaurant supplies, or other business-owned goods, the plan covers them at the limit you select.
What if I store something prohibited?
Prohibited items aren’t covered, and if a prohibited item causes damage to other contents in your unit (or to other customers’ contents), that damage is not covered either. The prohibited items list includes money, jewelry, furs, firearms, computer software, credit cards, perishables, flammables, hazardous materials, and other irreplaceable or dangerous items. Full prohibited items list and service policies. Call us before storing anything you’re unsure about.
What’s the difference between a Protection Plan and a Damage Waiver?
A Protection Plan covers your contents while in Box-n-Go’s custody (at our warehouse, in transit on our truck). A Damage Waiver covers Box-n-Go’s equipment while at your property. The two are separate products for separate risks, and they can coexist on the same storage arrangement. A typical mixed-use customer — container at the driveway during a renovation, then taken to the warehouse for indoor storage — needs both: a waiver for the on-site period, a Facility plan for the warehouse period.
Box-n-Go liability for loss or damage to your stored property is limited. It is your responsibility to insure your goods while they are stored with us. We recommend that you contact your insurance agent to determine if your existing policy applies to your goods while they are in storage. Box-n-Go does not provide insurance. Box-n-Go is not an insurance company. This website page is a general description of the optional Protection Plan coverage and is not a contract or insurance policy.
