Protect Yourself From Unforeseen Damage

Tenant insurance from SBOA

Easily File a Claim

We’ve made the process simple and stress-free. Here’s what to do immediately after you become aware of damage or theft:

1
Tell the facility manager

Make sure our manager is aware that the damage occurred.

2
Take photos

Images of the damage will help resolve the claim faster.

3
Report burglaries

File a police report in the event of a burglary.

4
Report your claim

Check our brochure or ask our manager if you need help filing your claim.

Download the Brochure

Protected*

Unless listed in your policy as not protected, all items are protected from the following:

  • Aircraft, Self-propelled Missiles, or Spacecraft

  • Collapse of Buildings, other than by Earthquake

  • Cyclone, Tornado, Hurricane

  • Earthquake

  • Explosion or Sonic Boom

  • Falling Objects

  • Fire or Lightning

  • Landslide, including sinkhole collapse

  • Smoke

  • Strikes, Riots, or Civil Commotion

  • Vandalism or Malicious Mischief

  • Vehicles

  • Water Damage except flood, surface water, etc. and/or resulting from mold, mildew, wet or dry rot.

  • Weight of Ice, Snow, or Sleet

  • Windstorm or Hail

Not Protected*

These items and events are NOT covered:

  • Accounts, bills, currency, data, documents, records, deeds, evidence of debt, money, notes

  • Jewelry, watches, fur and garments trimmed with fur, alcohol, food, explosives, illegal drugs

  • Loss or damage resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin

  • Loss or damage caused by, resulting from, contributing to, or aggravated by flood, surface water, waves, tidal water or tidal wave, or overflow of streams or other bodies of water

  • Loss or damage caused by cigarettes or other smoking materials, unless fire ensues

  • Loss or damage caused by the neglect of the Customer to use all reasonable means to save and preserve the property

  • Loss or damage caused intentionally by the Named Insured or Customer or at the direction of the Named Insured or Customer

  • Loss or damage of contraband or caused by illegal trade

  • Loss or damage resulting from activity in violation of Lease Agreement

  • Loss or damage caused by theft or mysterious disappearance, except burglary as covered herein

  • Loss caused by nuclear hazards

  • War, including undeclared war, civil war, insurrection, rebellion, revolution, warlike act by military force or military personnel, destruction or seizure or use for a military purpose

  • Discharge of a nuclear weapon will be deemed a warlike act even if accidental

  • Any loss, damage, liability, claim, cost or expense of any nature directly or indirectly caused by or resulting from a Communicable Disease or the fear or threat of a Communicable Disease

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