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.
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
Arizona, California, Colorado, Georgia, Nevada, New Mexico, North Carolina, Oregon, Tennessee, Utah, Virginia, Washington
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