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Frequently Asked Questions
Why do I need renters insurance?
Your lease requires that you obtain renters insurance.
Your landlord's insurance protects the physical building in which you reside, but does NOT cover your personal property. Therefore, you will be expected to pay for any negligent damages that you cause to your apartment.
You are responsible for damage done to your apartment or the property. You are also liable if someone is injured as a result of your negligence. The liability portion of renters insurance may protect you in the event of damage to your apartment, the community or other residents.
Do I need renters insurance even if my landlord has insurance?
Yes. Although your landlord carries coverage for the apartment building itself, there is no coverage for your personal belongings. Further, in the event you cause damage to your apartment unit or other apartment property you will be financially obligated to reimburse the property for those damage repairs. Covering your personal belongings is your responsibility.
What is the difference between Liability Insurance and Content Insurance?
- Personal Liability Coverage: Liability coverage protects you in the event of negligent damage that you may cause to the property.
- Contents Coverage: When your personal belongings are damaged or stolen your policy contents coverage reimburses you up to your policy terms and limits.
How can I enroll in Occupant Shield Renters Insurance?
Please call our office at 1-888-209-2023 to enroll.
How do I make changes to my policy (i.e., name spelling, unit change, coverage change, update payment method on file, etc.)?
You can email customer care at firstname.lastname@example.org or call 1-888-209-2023 to make any changes on your policy.
How much coverage do I need?
Occupant Shield allows you to choose from different levels of “content” coverage. Occupant Shield will provide $100,000 of liability coverage.
What if I don't have much personal property?
Renters insurance is still important even if you don't have much personal property because of the liability component. Also, chances are your personal property is worth more than you think. If you don't have much personal property to insure, then you can save money by choosing a lower policy limit.
Is my roommate covered?
Yes, Occupant Shield will allow for up to 4 people to be on a single policy. You can add one roommate to your policy with no increase to the premium. You can add a 3rd and 4th roommate for a small annual fee of $25 per person. To be covered, your roommate(s) must be listed on the lease as a lease holder or occupant AND on the Occupant Shield policy. (Four named insured maximum; dependents of named insured under aged 18 are covered and do not count towards the maximum of 4 insured per policy.)
What if I have a pet?
Most Occupant Shield policies allow for pet damage coverage. There are only three states that do not allow for pet damage coverage to be part of the insurance policy: Connecticut, North Carolina, and Florida.