Community Renters Insurance

This admitted, high-quality renters’ insurance program offers expanded legal liability protection for all residents at pre-approved apartment communities. We‘ve also developed a system to help apartment managers monitor compliance with the insurance requirements of their rental agreements.

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Business owners: Contact your insurance agent or broker

Insurance agents

Eligible communities

  • Minimum of 100 total units within their portfolio
  • On-site manager or person overseeing community
  • Facility age should not exceed 20 years without substantial updates
  • Lease or rental agreement must require proof of a renter's insurance policy

Geography

Alabama, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Kentucky, Maine, Maryland, Massachusetts, Missouri, Nebraska, Nevada, New Jersey, New Mexico, Oregon, Pennsylvania, South Carolina, Utah, Virginia, Washington, Wisconsin

Key coverages offered

  • All residents, existing and new are automatically pre-approved
  • Up to nine people covered per unit
  • Fire Legal Liability expanded to include smoke, explosion and water damage
  • Liability for dog bites
  • Additional living expenses included up to the Property limit
  • Worldwide theft coverage
  • $1,000 of jewelry coverage (can be increased to $5,000)
  • $500 for food spoilage due to an electrical outage ($100 deductible)
  • $5,000 of personal property within insured’s automobile
  • Personal Property limit options from $20,000 up to $50,000 (offered in $5,000 increments)
  • Deductible options of $250 and $500
  • Liability limits of $100,000 or $300,000
  • Access to InsureYourStuff.com website to track insurance
  • Automated reporting for tracking for new enrollments/cancel notifications
  • In-house claims service
  • Dedicated account manager for ongoing support and website training for community managers/owners
  • Admitted