A renters insurance program for apartments, plus landlord coverage for owners

What your customers need

What your residents and your building need

Many apartment communities require renters insurance in the lease, and the reason is simple. The owner’s building policy covers the building, not the resident’s belongings and not the resident’s personal liability. If a resident leaves a pan on the stove and causes a fire, the liability coverage on their renters policy may help pay for damage to the building and neighboring units, depending on the policy.

Most properties that require renters insurance also ask to be listed on the resident’s policy as an interested party. An interested party is not covered by the policy, but the insurance company notifies them if the policy is canceled, so your office knows when coverage lapses. Residents often do not know how to ask for this, which leaves your team chasing documents at move-in and renewal.

Owners have their own coverage to think about. A smaller rental is often insured with a landlord policy, sometimes called a dwelling fire policy, which covers the building, lost rent after a covered loss, and the owner’s liability. Larger apartment buildings usually need commercial property and liability coverage. The right choice depends on the number of units, the building, and how it is managed.

Residents are always free to buy renters insurance from any agent or company. We simply give them an easy option to consider.

What you get as a partner

What owners and property managers get

Your leasing team manages residents. We handle the insurance questions and help keep your files current.

Common questions

Questions from apartment owners and property managers