# Tenant coverage, embedded at lease
> HO-4 policies bound at lease signing, written by our renters carriers on Sure's filed rates. Proof of coverage reaches the landlord in seconds, and the renter walks away with a policy in the same flow.
Canonical URL: https://www.sureapp.com/products/renters
Product slug: renters
Category: Insurance products
## Renters programs, filed state by state

Every form number, every version, every state. Regulator approved.
Filing coverage: 50 / 51. States with a live, filed renters program on the Sure platform today.

Forms on file:
- SU-RN-001 (live, v25.2) — HO-4 tenant policy, broad form
- SU-RN-002 (live, v25.0) — HO-4 named peril, budget tier
- SU-RN-003 (live, v24.8) — Pet damage liability endorsement
- SU-RN-004 (live, v24.4) — Replacement cost endorsement
- SU-RN-005 (live, v24.1) — Identity theft rider
- SU-RN-006 (live, v25.1) — High-value contents schedule

## What a Sure renters policy actually covers

Standard limits shown below. Every line is configurable at the program level. Change the deductible, raise the limit, add a rider, and Sure re-rates and refiles. Premiums and available limits vary by state.
### Contents & liability, standard HO-4 — Core
- Personal property: $25k (Your stuff, replacement cost)
- Personal liability: $100k (Bodily injury and property)
- Loss of use: $5k (Additional living expenses)
- Medical to others: $1k (Guest injury on premises)
- Contents deductible: $250 (Per-claim)
- Landlord proof: ≤ 4 sec (Delivered to property manager)
### Endorsements — Optional
- Scheduled personal property: Rider (Jewelry, cameras, instruments)
- Pet damage liability: $25k (Dog bite and property)
- Water backup: $5k (Sewer or drain overflow)
- Earthquake: Rider (Where filed)
- Identity theft: $15k (Monitoring and resolution)
- Bedbug treatment: Rider (NYC and metro markets)

_Coverages, rates, and limits vary by state._

## What the policyholder lives in

The bind is the easy part. Rent-cycle billing, landlord proof of coverage, and move events are where most renters programs fall apart. When built on Sure, renters insurance stays in lockstep with tenant apps, keeping policyholders covered.
### Self-service that your team doesn't have to staff
Renters pull proof of coverage for the landlord, file claims, and update roommates or address inside the partner's app. Claims AI handles triage in the background, and the partner sees status without owning the queue.
- First-notice-of-loss in two taps, routed straight to Claims AI
- Live proof of coverage to the landlord, downloadable as PDF
- Mid-term changes (address, roommates, limits) without rebuilding the quote
- Service handoffs to live agents stay inside the partner's brand

## Launch a renters program, filed and writing in weeks

Learn more about how your renters program can go live in weeks, not months. Built for brands and carriers ready to ship.
Primary action: Talk to Sure