** DUE TO THE FOREST FIRES IN ALBERTA AND BRITISH COLUMBIA, ALL *NEW* CONTENTS IN STORAGE SUBMISSIONS WITHIN 50KM OF A FOREST FIRE IN THE PROVINCE OF ALBERTA AND BRITISH COLUMBIA MUST BE SUBMITTED AND APPROVED BY AN AUTHORIZED PAL UNDERWRITER. RENEWAL POLICIES ARE ACCEPTED. NEW APPLICATION SUBMISSIONS MAY BE HELD FOR QUOTING IF SUBMITTED MORE THAN 7 DAYS IN ADVANCE TO MOVE IN DUE TO THE HIGH VOLUME OF FIRES.**
All-Risk / Replacement Cost coverage for contents while stored in a PAL-approved storage facility only.
Designed for temporary storage of goods during transitional times, etc. and/or long-term storage of excess household goods or commercial contents, stock, etc.
PAL is unable to provide coverage for contents stored on a commercial or private property. For this type of property, please access our Miscellaneous Property Program.
PAL-Approved Storage Facilities
Click Here to search PAL’s Approved Facilities List.
If the facility is NOT on this list, you may submit a Facility Questionnaire with a minimum of 2 pictures for approval (internet photos not accepted).
What's the Coverage?
Policy terms range from 1-6 months, 9 months and 12 months with extensions/renewals available upon request.
Contents values range from $5,000.00 to $800,000.00, increasing in $5,000.00 increments only.
Personal Legal Liability coverage is also available, from $1M to $5M and including $500,000.00 Tenant Legal Liability coverage at the storage facility, for a minimal cost.
Liability coverage is NOT available with Commercial Goods policies.
PAL does not offer any coverage for contents while in transit.
DEDUCTIBLES Personal Household Goods:
$5,000.00 - $75,000.00 = $100.00
$80,000.00 - $200,000.00 = $500.00
$205,000.00 AND UP = 1% OF LIMIT
LIABILITY: $250.00
Commercial Property:
Minimum: $500.00
Cancellations
Policies may be cancelled upon receipt of a signed Release of Interest within 30 days of the cancellation date. Partial refunds are calculated on a short-rate basis, with a minimum retained premium of $50.00. All PAL fees are fully earned, and a minimum $25.00 cancellation fee will apply.
HELPFUL INFORMATION
Here are a few things to try to get your certificate successfully:
Check the screen for any error messages. They will appear in red above the location of the error.
Double check your information to make sure it has been entered correctly.
You can always start over from scratch if you are having issues.
You may want to try a different browser. Sometimes the settings of a certain browser may cause a problem and using a different browser will allow you to complete your submission.