# 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.
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: 50 / 50. 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.

Forms on file:
- TLL-MP-A (live, v3) — Policy: Carrier A
- TLL-MP-B (live, v2) — Policy: Carrier B
- TLL-EN-TPP (live, v2) — Tenant personal property add-on
- TLL-EN-DB (live, v1) — Dog bite liability endorsement
- TLL-EN-RM (live, v1) — Roommate endorsement

## 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

- $100K per occurrence — $200K and $300K limits available for portfolios of 300+ units.
- $0 deductible — Zero out-of-pocket on liability claims.
- 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

#### Liability

- Bodily injury: Covers bodily injury claims made against the landlord arising from a covered tenant-caused incident. Limits: $10K / $25K / $50K / $100K.
- Dog bite: Covers liability claims arising from a dog bite incident involving a tenant's dog on the property. Limits: $10K / $25K / $50K / $100K.

#### Property damage

- Pet damage: Covers damage to the rental unit caused by a tenant's pet. Limits: $1K / $2.5K / $5K.
- Water back-up and sump discharge: Covers damage caused by water backing up through sewers or drains, or water overflowing from a sump pump. Limits: $2.5K / $5K / $10K.
- Fungi and bacteria: Covers remediation costs from mold or bacterial damage caused by a covered loss. Limits: $1K / $5K / $10K.
- Bed bug: Covers costs associated with bed bug infestation treatment and remediation. Limits: $500 / $1K / $2.5K.

#### Resident benefits

- Loss of rental income: Covers the landlord's lost rental income when a unit becomes uninhabitable due to a covered loss. Limits: $5K / $10K / $20K.
- Tenant personal property: Covers the tenant's personal belongings against covered losses. Not available in Texas or New York. Limits: $2.5K / $5K / $10K / $15K. Deductible: $500 per occurrence ($1,000 for burglary).
- Identity theft fraud expense: Covers expenses incurred by a tenant as a result of identity theft fraud. Limits: $1K / $2.5K / $5K.
- Additional living expense: Covers a tenant's additional living expenses when a covered loss makes their unit temporarily uninhabitable. Limits: $2K / $5K / $10K.

_Coverages, rates, and limits vary by state._

## The portfolio dashboard lives 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.
### Coverage attached to every unit, reconciled monthly
Property managers already use Verify AI to track tenant-provided renters policies. TLL sits right next to it as the policy that catches the units Verify AI flags as uncovered. Same dashboard, same compliance ledger, one fewer vendor.
- Portfolio-wide enrollment at program launch
- Per-unit pricing by unit-count tier, coverage limit, and program type
- Mid-lease enrollment when Verify detects a renters lapse
- Mid-term add or remove a unit without another quote

## Launch tenant liability coverage across 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.
Primary action: Talk to Sure