Community renters program
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.
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:
- AZ, CA, CO, GA, IN, MI, NM, NV, NC, OH, OR, TN, TX, UT, VA, WA
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
Coverage limits:
- 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
Admitted or non-admitted:
- Admitted
Services included:
- 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/website training for community managers/owners