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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


  • 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 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