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
See how tenant legal liability works
AI connects a policy to each unit, then keeps enrollment, premiums, and proof of coverage moving in one workflow.
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.