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.
- Fire damage$100k / unit
- Water damage$100k / unit
- Smoke damage$100k / unit
- Per-unit deductible$0
- Proof to landlord≤ 4 sec
- Subrogation waiverFiled
- Additional insuredFiled
- Tenant content add-on$5k–$15k
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. Tenant personal property add-on is not available in NY or TX.
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 unitRenter-caused fire$100k per unit
- Water damage to the unitOverflow tub, burst hose, appliance leak$100k per unit
- Smoke damageCooking smoke, unattended candles$100k per unit
- Explosion from renter negligenceGas range, grease fire$100k per unit
- Per-unit deductibleCharged to the tenant$0
- Proof of coverage to the landlordDelivered at lease-up≤ 4 sec
Endorsements
Optional- Waiver of subrogationCarrier waives recovery against the landlordFiled
- Additional insured endorsementNames the landlord or PM on the policyFiled
- Tenant personal property add-onRenter contents, where filed outside NY and TX$5k to $15k
- Dog bite liabilityAn optional distribution channel$25k per unit
- Roommate endorsementExtends coverage to named roommatesIncluded
- Carrier B selectable liabilityPer-unit limit chosen by the PM within unit-tier caps$2.5k to $300k
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, evidence of coverage, is Verify AI, the compliance product property managers use to track tenant insurance across buildings.
Launch a TLL program acrossyour portfolio in weeks 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.