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Tenant Protection Plans

Both owners and property managers want their tenants to have renters insurance, because tenants can cause damage to the property through their negligence. Lets say a tenant causes a kitchen fire, which causes damage to the property and temporary discomfort to some of the other residents. At this point the owner has to file a claim on their property insurance that has a high deductible and will potentially cause their rates to increase. The other option is to file a claim on the tenants renters insurance, which alleviates the claim burden on the property owner. The tenant is liable so they should protect their belongings and be responsible for their negligence.

Tenant Liability Coverage – TLC

Tenants Legal Liability: $100,000 property damage liability

Coverage Highlights

Tenants Legal Liability

Fire, Falling Objects, Water, Loss of Rental Income, Collapse, Smoke, Explosion, Freezing Pipes, Appliance Overflow, Sewer Overflow

Target Classes

  • Owners of single-family properties
  • Property Managers of single-family properties
  • Owners of multi-family properties
  • Property Managers of multi-family properties
  • Owners of small apartment complexes
  • Property Managers of small apartment complexes
  • Owners of large apartment complexes
  • Property Managers of large apartment complexes
Tenant Owner Protection Plan - TOPP

Tenants Legal Liability: $100,000 property damage liability
Tenant Personal Property: $10,000 Limits
Tenant Medical / Bodily Injury $10,000 Limits

Coverage Highlights

Tenants Legal Liability

Fire, Falling Objects, Water, Loss of Rental Income, Collapse, Smoke, Explosion, Freezing Pipes, Appliance Overflow, Sewer Overflow

Tenants Contents

Fire, Lightning, Smoke, Explosion, Water, Wind or Hail, Burglary

Target Classes

  • Owners of single-family properties
  • Property Managers of single-family properties
  • Owners of multi-family properties
  • Property Managers of multi-family properties
  • Owners of small apartment complexes
  • Property Managers of small apartment complexes
  • Owners of large apartment complexes
  • Property Managers of large apartment complexes

The bottom line is a renter may look good but there’s no guarantee that accidents can’t happen. With our Tenant Liability Programs the control is in your hands, so no more nagging renters to get their own insurance or reinstate if the insurance cancels. Let IMG help decrease your risk and increase your revenue.