Resident Liability Insurance

Enhanced master liability insurance for the rental housing industry

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Our master liability policies cover commonly occurring resident-caused damage including water, fire, smoke, and explosion. Continue reading to discover our stand-alone programs and our add-on options for property management companies.

Master Liability Products

Protect

Protect

Property damage coverage backup when a resident does not maintain their Renters Insurance policy.

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ePremium Protect Plus

Protect Plus

Mitigate potential loss from lapsed coverage with tracking of resident’s coverage.

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ePremium Protect Advantage

Protect Advantage

Property damage coverage for all occupied units. Provides opportunity to generate ancillary revenue. 

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ePremium Point of Lease

Point of Lease

Property damage coverage for specific units as an alternative to Renters Insurance.

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Protect

ePremium Protect

ePremium Protect provides enhanced resident liability coverage designed to maximize protection for each unit from resident-caused damage. This program is designed for portfolios with a primary program objective of 100% coverage. All units protected all the time.

Different from more common liability insurance programs, our ePremium Protect program not only protects from the infrequent large catastrophic losses but also addresses the more frequently occurring resident-caused unit damage such as:

Loss of Rental Income
Bodily Injury

Pet Damage

Dog Bite

Bed Bugs

Exhaustion of Limit

Fungi/Bacteria

Additional Living Expenses

ePremium Protect Features

Online Insurance Upload

Online Renters Insurance Upload

Residents can utilize our online renters insurance upload anytime allowing property managers to save time.

Removes Administrative Overhead

Removes Administrative Overhead

Removes administrative overhead associated with tracking renters insurance & lease compliance.

Ancillary Revenue

Ancillary Revenue

Provides residential properties the opportunity to generate significant ancillary revenue. 

ePremium Protect Plus

ePremium Protect Plus

ePremium Protect Plus covers all the above features plus automatic coverage and auto-activation of insurance coverage.

Validates Third Party Insurance

Validates 3rd Party Insurance

Validates your resident’s third-party insurance to ensure it is compliant with your lease requirements and currently in place, enabling Automatic Coverage.

Automatic Coverage

Automatic Coverage

Auto Coverage Endorsement on your property master liability policy. Protects you from covered losses of lapsed coverage.

Auto Activates Coverage

Auto Activates Coverage

Based on the validation of 3rd party insurance, the program automatically activates coverage on your property master liability policy for any resident out of compliance. 

How Does It Work?

Step 1:

Property is notified that a resident no longer has an active policy with liability protection.

Step 2:

Uncovered unit added to the property protection policy.

Step 3:

If permitted by the lease agreement, “Non-Compliance Fee” added to the resident’s ledger.

Step 4:

ePremium invoices the property or management company monthly for premium applicable to the unit.

ePremium Protect Advantage

ePremium Protect Advantage

The most efficient method to cover all occupied units. With Protect Advantage, property managers can include property damage coverage through lease agreements, so they are assured all occupied units are covered. Includes basic property damage coverage for resident-caused losses due to: 

Fire

Water

Smoke

Explosion

Protect Advantage Features

Property Damage Coverage

Property Damage Coverage

Property damage coverage for all occupied units.

Ancillary Revenue

Ancillary Revenue

Provides an opportunity to generate significant ancillary revenue.

Flexible Coverage Options

Flexible Coverage Options

Flexible coverage options with coverage as low as $5K.
Lower Premiums

Lower Premiums

Protects commercial property insurance and may lower premiums.

How Does It Work?

Step 1:

At Property Level

Occupied unit is added onto the property protection policy.

Step 2:

During Lease Agreement

If permitted by the lease agreement, “Protect Advantage” charge is added to the resident’s monthly ledger.

Step 3:

Property Management Company

We invoice property/management companies monthly for premiums applicable to scheduled units.

ePremium Point of Lease

Point of Lease

A simple solution for residents during the lease signing process to elect to satisfy a liability insurance requirement through a monthly waiver fee. This fee may be used by the property manager to pay the policy premium for the unit.

Key Benefits

Easier for residents to meet the insurance requirements of lease

The property manager knows that lease requirements are always fulfilled if the resident opts in

An inexpensive option for the resident without the need for individual underwriting

Ancillary revenue opportunity for management

Can be paired with other programs to create a robust risk mitigation solution

How Does It Work?

Step 1:

At Lease Signing

Resident elects to pay liability insurance waiver fee to satisfy lease requirements. 

Step 2:

Monthly Fee

The unit is added to the policy and “Renters Point-of-Lease” charge is added to the resident’s monthly ledger.

Step 3:

Property Management Company

ePremium invoices the property or management company monthly for premiums applicable to scheduled units.

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Curious to discover how our insurance programs can benefit your apartment communities or single-family rentals? Allow us to arrange a conversation with one of our sales associates who can kickstart your journey!