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.
- Personal property$25,000
- Personal liability$100,000
- Loss of use$5,000
- Medical to others$1,000
- Contents deductible$250
- Pet damage liability$25,000
- Water backup$5,000
- Identity theft$15,000
Renters programs, filed state by state
Every form number, every version, every state. Regulator approved.
States with a live, filed renters program on the Sure platform today.
What a Sure renters policyactually covers 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 propertyYour stuff, replacement cost$25k
- Personal liabilityBodily injury and property$100k
- Loss of useAdditional living expenses$5k
- Medical to othersGuest injury on premises$1k
- Contents deductiblePer-claim$250
- Landlord proofDelivered to property manager≤ 4 sec
Endorsements
Optional- Scheduled personal propertyJewelry, cameras, instrumentsRider
- Pet damage liabilityDog bite and property$25k
- Water backupSewer or drain overflow$5k
- EarthquakeWhere filedRider
- Identity theftMonitoring and resolution$15k
- Bedbug treatmentNYC and metro marketsRider
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'thave to staff 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
Active- Download policy documentsDeclarations, proof of coverage, endorsements
- Update policyRoommates, address, coverage limits
- Add interested partyLandlord, property manager, lender
- View payment detailsCard on file, billing history, autopay
Launch a renters program, filedand writing in weeks 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.