Offering a tenant protection program to your customers helps limit your liability. Per a court ruling, “Kane vs. U-Haul, Intl., Inc.” a tenant that declined insurance could not hold the facility liable for the damage sustained by the tenant’s goods stored in the facility, where the contract had a clause relieving them from responsibility.If the tenant turned down a lease with the facility offering to take limited responsibility for the goods, it would make it clear the tenant understood and agreed to the “sole responsibility” clause in most self-storage leases.