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Formerly known as Republic Western Insurance Company, RepWest is a specialty insurance company providing coverage for the self-storage and moving industry as well as U-Haul specifically. They provide their niche products across North America.
Phoenix-based RepWest was founded in 1973 and has since become a subsidiary of AMERCO, which is the owner of U-Haul. As a result, RepWest is the insurance provider for U-Haul, providing insurance options for customers using U-Haul trucks, vans, trailers, and storage services. They also offer storage insurance plans for customers of other storage unit companies.
RepWest sells its products across North America through branch offices. Products sold to U-Haul customers are generally sold directly at the time of the U-Haul rental, in much the same way that rental car companies sell their damage insurance at the time of rental. The same applies to self-storage policies, which are generally offered by the rental company at the time that the contract is taken out.
RepWest has a limited online presence and does not sell products through their website. Some products are available through local insurance agencies, particularly the SafeStor product.
Most of RepWest’s products are sold through U-Haul and are designed to work with that company’s products. The exception to this is the SafeStor product, which is available to cover items in other companies’ storage units.
U-Haul Products for Consumers
The products offered for U-Haul customers are SafeMov, Super SafeMov, and SafeTow. The first two provide coverage during a move using a U-Haul truck or van, and the last option is for those who have rented a U-Haul trailer.
Each of these plans provides cargo coverage to protect your belongings while they are in transit. They also include a damage waiver, medical coverage, and accidental death insurance.
The Super SafeMov plan adds an additional $1,000,000 in liability coverage on top of the base coverage offered by the other plans.
This storage unit insurance program provides coverage for items kept in a storage unit. This coverage operates independently of a homeowner’s or renter’s insurance program, or it can be purchased to provide additional coverage.
Plans can be purchased at a variety of levels, with maximum coverage amounts of $4,000, $10,000, or $15,000. There are several limits and exclusions – notably, that theft is covered at only 50% of the maximum amount and requires a police report and evidence of forced entry. Many high-value items are also excluded, including things like jewelry and furs. Other exclusions include mold and mildew damage and flooding.
RepWest also underwrites coverage for both the UBox and UCar services offered by U-Haul.
Online quoting is not offered for RepWest products, although there is a basic chart available that outlines the rates for the SafeStor program.
$15,000 in coverage can be purchased at a three-month premium of $72, a six-month premium of $144, or for a full year at $288. A year of coverage with a $4,000 limit costs $72. These rates are probably well worth it if you are storing items that add up to any real value, as storage units do not provide any protection at all for items in storage. This being an unusual type of product, it is difficult to compare rates.
RepWest handles claims through one of their four field offices. Claims can be filed by mail or by email, but the website does not offer any claims forms.
There is also an online option for starting a claim, although it cannot be used for any damage to a U-Haul rental.
Very little information is offered overall in regards to the claims process.
Ratings and Consumer Reviews
RepWest has a D- rating with the Better Business Bureau (BBB), though there is not a complaint on file for the company and the BBB does not offer an explanation for the lowered rating.
There are four reviews on Yelp, split down the middle for positive and negative.
The lack of reviews may be due to the fact that the insurance is frequently sold through U-Haul and many of those who purchase it do not know the name of the company that is handling the underwriting of the product.
The Bottom Line
Most people who purchase this sort of insurance do so for the peace of mind it brings during a move or while items are in storage. There does not seem to be an argument against making that purchase for peace of mind. Although information on this company is limited, their niche status and connection with U-Haul make them one of the only options for those in need of this type of policy.
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