# Tenant legal liability, filed at the portfolio level
> Master policy for property managers. One program attaches coverage to every unit in the book, with per-enrollment pricing, proof of insurance at lease-up, and renter-caused damage paid out against the filed form.
Canonical URL: https://www.sureapp.com/products/tenant-legal-liability
Product slug: tenant-legal-liability
Category: Insurance products
## TLL programs, filed state by state

Carrier paper, filed under Sure's program. Regulator approved.
Filing coverage: 48 / 51. States with a live, filed TLL program on the Sure platform today. Tenant personal property add-on is not available in NY or TX.

Forms on file:
- SU-TLL-001 (live, v25.3) — Tenant legal liability master policy: Carrier A
- SU-TLL-002 (live, v25.1) — Tenant legal liability master policy: Carrier B
- SU-TLL-003 (live, v24.9) — Tenant personal property add-on
- SU-TLL-004 (live, v24.6) — Dog bite liability endorsement
- SU-TLL-005 (live, v24.4) — Roommate endorsement
- SU-TLL-006 (live, v25.0) — Waiver of subrogation

## What a Sure TLL master policy actually covers

Standard limits shown. Every line is configurable at the program level. Raise the per-unit liability limit, add Dog Bite, attach tenant personal property where filings allow. Sure re-rates and refiles.
### Tenant legal liability core — Core
- Fire damage to the unit: $100k per unit (Renter-caused fire)
- Water damage to the unit: $100k per unit (Overflow tub, burst hose, appliance leak)
- Smoke damage: $100k per unit (Cooking smoke, unattended candles)
- Explosion from renter negligence: $100k per unit (Gas range, grease fire)
- Per-unit deductible: $0 (Charged to the tenant)
- Proof of coverage to the landlord: ≤ 4 sec (Delivered at lease-up)
### Endorsements — Optional
- Waiver of subrogation: Filed (Carrier waives recovery against the landlord)
- Additional insured endorsement: Filed (Names the landlord or PM on the policy)
- Tenant personal property add-on: $5k to $15k (Renter contents, where filed outside NY and TX)
- Dog bite liability: $25k per unit (An optional distribution channel)
- Roommate endorsement: Included (Extends coverage to named roommates)
- Carrier B selectable liability: $2.5k to $300k (Per-unit limit chosen by the PM within unit-tier caps)

_Coverages, rates, and limits vary by state._

## Launch a TLL program across your portfolio in weeks

Bring the portfolio. We file the master policy, rate per unit, attach coverage at lease-up, and pay claims against the filed form. Rates depend on unit count, state, and building type. The landlord pays a small monthly fee per enrollment.
Primary action: Talk to Sure