In Self Storage

A-1 vs Heckart | Ruling Confirmed

Tenant Property Protection is happy to report that the California Supreme Court has released its ruling on the A-1 vs Heckart case.  The ruling affirms both lower court’s decision that tenant protection plans are NOT insurance.  This ruling is welcome news to protection plan providers and A1 Self Storage and Deans & Homer who have defended this suit since 2013.

The Court concluded:

“In sum, the Protection Plan does not constitute insurance subject to regulation under the Insurance Code. The Legislature’s enactment of Article 16.3 enables self-storage facilities to act as agents for insurance companies with respect to the narrow category of insurance described in Article 16.3, but it does not prohibit the parties’ indemnification agreement set forth in the Protection Plan. Because plaintiff’s claims are premised on his contention that the Protection Plan is subject to regulation under the Insurance Code, his claims fail.”


Created by self-storage industry veterans, Tenant Property Protection (TPP) partners with self-storage owners/operators and managers nationwide to provide protection of tenant goods while maximizing facility revenue. TPP is headquartered in Peoria, Arizona. For more information, visit:

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