Tenant legal liability, filed at the portfolio level
A portfolio-wide policy for property managers. One program covers every unit in the portfolio with per-enrollment pricing, and Verify AI auto-enrolls any tenant who doesn't show their own compliant renters coverage.
- Legal liability$100k per occurrence
- Perils coveredFire, water, smoke, explosion
- Deductible$0
- BillingStarts at enrollment
- Tenant personal property$2.5k / $5k / $10k / $15k
- Dog bite liabilityIncluded
- Pet damageIncluded
Property managers and owners face mounting risks from uninsured tenant damage.
of renters lack renters insurance
who purchase insurance let policies lapse
annual rental property damage repair costs
Uninsured residents will cause damage. Over time, this could cost you millions in fire, flood, and negligence-related losses.
See how tenant legal liability works
Verify AI checks every unit for renters coverage. When a tenant can't provide a compliant renters insurance policy, the policy auto-enrolls the unit and the billed amount appears on the resident's rent ledger.
How TLL enrollment works
Two pathways move a unit onto the policy. The PMC picks the one that fits the portfolio.
Resident auto-enrollment
Path 1Tenants are auto-enrolled when they can't show compliant renters coverage. The trigger can fire at lease start, mid-lease on a Verify-detected lapse, or both.
Landlord blanket coverage
Path 2The PMC elects to cover every unit in the portfolio. The cost stays with the landlord and cannot be passed to the tenant.
TLL programs, filed state by state
Carrier paper, filed under Sure's program. Regulator approved.
States with a live, filed TLL program on the Sure platform today. Also writes in Washington, DC. Tenant personal property add-on is not available in NY or TX.
What a Sure TLL policy actually covers
Every policy includes liability coverage for tenant caused damage to the unit with no deductible. Coverage limits and optional endorsements allow for customizable policies.
Base coverages
- What it covers
Landlord losses from tenant negligence, including accidental damage to the rental unit.
- Covered perils
Fire, smoke, water damage, and explosion.
- Claim filing
The property manager or landlord is the policyholder. Claims are filed directly against the policy.
- Tenant role
Tenants are enrolled participants on the policy, not insureds or additional insureds.
Optional endorsements
Bodily injury
Covers bodily injury claims made against the landlord arising from a covered tenant-caused incident.
Dog bite
Covers liability claims arising from a dog bite incident involving a tenant's dog on the property.
Pet damage
Covers damage to the rental unit caused by a tenant's pet.
Water back-up and sump discharge
Covers damage caused by water backing up through sewers or drains, or water overflowing from a sump pump.
Fungi and bacteria
Covers remediation costs from mold or bacterial damage caused by a covered loss.
Bed bug
Covers costs associated with bed bug infestation treatment and remediation.
Loss of rental income
Covers the landlord's lost rental income when a unit becomes uninhabitable due to a covered loss.
Tenant personal property
Covers the tenant's personal belongings against covered losses. Not available in Texas or New York.
Identity theft fraud expense
Covers expenses incurred by a tenant as a result of identity theft fraud.
Additional living expense
Covers a tenant's additional living expenses when a covered loss makes their unit temporarily uninhabitable.
Coverages, rates, and limits vary by state.
The portfolio dashboard livesin Verify AI in Verify AI
The program above is what Sure hands to a distribution partner. The day-to-day portfolio view, enrollment, per-unit premium, and exception handling, all of it sits inside Verify AI, the compliance product property managers already use to track tenant insurance.
Launch tenant liability coverage acrossyour portfolio in weeks your portfolio in weeks
Bring the portfolio. Sure manages everything behind the scenes: policy filing, per-unit pricing, and coverage activation. Landlords pay a flat monthly fee per enrollment. No setup costs, no complexity.