Renters Insurance Programs

Reduce risk and increase NOI with your property protection program

Higher Coverage. Greater Flexibility.

When it comes to renter's insurance, not all programs are created equal. You need a solution and benefit structures tailored to reduce your risk exposure and improve NOI. So that's what we created. As the underwriter of our own products, we can develop unique solutions that meet your exact needs, from flood and pet damage to bed bugs and food spoilage. Plus we’re A+ rated, which gives us more flexibility to develop custom coverages when you need them and stronger support even when you don't.

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Better coverage for you that's affordable for your residents
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One of the market's most comprehensive, flexible programs
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Industry-leading claims and service experience

Renters insurance & tracking

Cover360® & Cover360® Plus

Increase renters insurance participation with Cover360® and Cover360® Plus. Cover360 is a simple, elegant solution that makes it easy for residents to pay their renters insurance premiums with their monthly rent. With automatic tracking it’s easy for you to ensure each policy is kept in place. It was designed to increase resident participation and eliminate coverage gaps — and it works. Combining monthly premiums with rent helps properties achieve record participation. And, with the option of Cover360 Plus, you can take advantage of embedded auto enrollment and eliminating monitoring for proof of coverage.
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• Maintains compliance and eliminates coverage gaps 
• Includes automatic tracking without adding work for your leasing staff
• Offers guaranteed coverage for all tracked policies
• Enrollment for residents takes seconds or available automatically with Cover360 Plus
• Increases ancillary revenue with ease of resident opt-in or embedded enrollment
• Provides Liability Only policy placement for residents with coverage lapses
Explore Cover360 and Cover360 Plus

Renters and Liability Only Policies

Renters Preferred

With Renters Preferred, you can provide residents with affordable, customizable coverage that meets your protection requirements. You set the minimum liability requirement. Then residents choose between a Renters Insurance (HO4) policy that covers the liability requirement and their things or a liability only policy that gives them what they need to move in.
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  • Customizable coverage options let residents cover their belongings, or just the basics
  • No denials for credit or claims history
  • Liability coverage for everyone on the lease
  • You set minimum liability requirement from $50K to $300K
  • Optional coverage for pet damages
  • Ancillary revenue generated through the industry's most flexible benefit structure
Explore Renters Preferred

Renters Solutions Insights from Assurant Experts

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Global Housing

Top cybersecurity issues for renters and property managers

Smart home technologies present cybersecurity risks for renters. Manage these three main cybersecurity issues to maximize tenant satisfaction and loyalty.

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Global Housing

Smarter business, stronger bottom line:  Top PMC trends and renters solutions from Apartmentalize 2025

Discover top Apartmentalize 2025 insights, trending renters solutions, and strategies shaping the future of Multifamily Housing operations.

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Article
a man and a woman looking at each other

Global Housing

A Property Manager’s Guide To 5 Common Tech-Related Maintenance Calls

Renters want communities with modern amenities, but more tech means more maintenance calls. Explore five common tech-related issues property managers face.

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