A protection plan is an optional monthly fee your customer can choose at signup, on top of their rent. Stortech provides the tool to configure and bill it; what the plan covers, and its legal framing, are yours (see What Stortech does — and does not do). You configure them on the Fees & Charges page, as a fee with a specific format: Monthly cadence, Customer's choice mode.
Who this article is for
Creating and editing protection plans requires the Owner or Manager role. Changing the protection on an existing rental is available to the same roles. If you can't add fees or edit a rental, ask an Owner on your team.
Before configuring a plan
Define what you are offering: amounts, what is included or excluded, and the terms the customer accepts. Have the arrangement reviewed by your lawyer and your insurance broker before you advertise it to customers, and check with your accountant whether the fee is taxable in your jurisdiction. Also decide whether you offer multiple tiers or a single plan.
Recommended configuration
For a fee to be recognized and used as a protection plan (operator and customer side):
Field | Recommended value |
Cadence | Monthly |
Billing mode | Customer's choice (optional at signup) |
Name | For example |
Description | The text shown to the customer. Write it with your advisor. |
Amount | The monthly amount billed (for example $8.00/month). |
Order | Display position. Pricier or broader-coverage plans are typically lower. |
Taxable | Depends on your jurisdiction — confirm with your accountant. |
Active | Checked. |
The Fees & Charges page: a protection plan configured as Monthly + Customer's choice.
Create multiple coverage tiers
It's common to offer several plans at different price points.
Step 1.
Go to the Fees & Charges page and click Add a fee.
Step 2.
Set up the first tier: Monthly cadence, Customer's choice mode, a name (Basic protection — $2,000), a description, the monthly amount, and leave Active checked.
Step 3.
Save, then repeat for the other tiers, adjusting Order to display them in the sequence you want (cheapest first is typical).
For the general how-to of adding, editing, and deleting a fee, see the Fees & Charges (admin fees and protection plans) article.
Seeing plans in checkout
At online signup through the storefront, the checkout's Insurance section shows every fee configured as Monthly + Customer's choice for the facility, regardless of its name. The customer picks a plan, or leaves No insurance as the default; the chosen plan is added to the monthly rent invoice.
When creating a manual rental, the Insurance selector offers No insurance plus each configured plan; you choose on the customer's behalf.
The filter is purely based on Monthly cadence + Customer's choice mode. The fee's name has no effect on filtering — naming conventions are organizational only.
"Insurance" is simply the name of that section in the storefront. The label does not determine the nature of what you offer.
Viewing or changing protection on an existing rental
Once a rental exists, an operator can add, change, or remove its protection plan directly from the rental page — no need to recreate it.
Step 1.
Open the rental. The summary shows a Protection section with the current plan (or No protection) and a Change protection link.
Step 2.
Click Change protection. The dialog shows the current protection, a New plan selector (including the option to remove protection), a reason for the change, and an optional note.
Step 3.
Choose the new plan. The preview shows the monthly difference and the effective date — the next billing boundary. Click Schedule change to confirm.
Changing a rental's protection: choosing a new plan, with the monthly difference and effective date preview.
What happens automatically
When a plan is added to a rental, the monthly amount is added to every rent invoice as a separate line item. On a unit transfer, the plan carries over to the new rental. On a scheduled move-out, the plan stops billing at the end of the billing period. A change made through Change protection takes effect at the next billing boundary — no immediate charge, credit, refund, or proration is created.
What Stortech does — and does not do
Stortech does not sell insurance and provides no coverage. The platform only gives you the tool to configure an optional recurring fee and bill it with the rent. What that fee means to your customers, what it does or does not cover, the exclusions, and the handling of claims are entirely yours.
In many jurisdictions, offering insurance requires a licence or must go through a broker, and the rules vary from place to place. Before advertising a plan to your customers, have your arrangement reviewed by your lawyer and your insurance broker. Stortech cannot advise you on this and assumes no responsibility for the product you offer or for any claims arising from it.
Statuses and key fields
Item | Meaning |
Customer's choice | The customer can accept or decline the plan at checkout. |
Monthly | The amount is billed every rent cycle. |
Taxable | Depends on your jurisdiction and the nature of the fee. |
Order | Position in the list of options offered to the customer. |
Common issues
A plan doesn't show up in checkout. Check that the billing mode is Customer's choice and the fee is Active. Edit the fee to check both options.
The customer wants to change tiers after signing. Use Change protection on the rental (see above) — the change takes effect at the next billing boundary, with no proration.
The customer wants to cancel their current plan. Use Change protection and choose No protection as the new plan.
A customer files a claim for damage. Stortech does not handle claims and is not a party to the plan. It is settled between you, your customer, and your insurer if you have one.
The Taxable status looks wrong for a plan. Taxation depends on the nature of the fee in your jurisdiction. Check with your accountant and adjust the Taxable checkbox per their recommendation.
Common questions
How do I add a protection plan customers can pick at checkout? Go to the Fees & Charges page, click Add a fee, choose Monthly cadence, Customer's choice mode, give it a name (for example "Basic protection — $2,000") and a monthly amount.
How do I offer multiple tiers? Create one fee per tier, using the Order field to control display order. Cheapest tier first is typical.
Does Stortech sell insurance? No. Stortech provides the tool to configure and bill an optional recurring fee. What you offer, its legal nature, and any licensing it requires are yours: confirm with your lawyer and your insurance broker.
How do I cancel or change a customer's protection plan mid-rental? Open the rental and click Change protection — see Viewing or changing protection on an existing rental above. This is a self-service change for the operator, effective at the next billing boundary.
Are protection plans taxable? It depends on the nature of the fee in your jurisdiction. Confirm with your accountant before ticking Taxable.