Getting Started | Tenant Legal Liability (TLL) Insurance Coverage Verification

Rentec Direct's integration with the digital insurance platform, Sure, gives you options to maintain renters insurance compliance and maintain a Tenant Legal Liability insurance policy for non-compliant properties.  

Tenant Legal Liability insurance (TLL), which is designed to help protect landlords when tenants do not maintain active renters’ insurance.

Rentec Direct’s integration with Sure makes it easy to monitor and manage renters insurance requirements, using Sure Verify, an AI-powered compliance verification tool. For tenants with a renters insurance policy, the system sends clear alerts when insurance documentation is uploaded, when policies expire, or when policies are nearing expiration.

For units enrolled in TLL, if a resident doesn’t provide proof of a qualifying renters insurance policy by the required deadline, including when a policy lapses or expires, TLL coverage is obtained for that unit.

Want to see how it works? Watch the short Sure Verify with Rentec Direct video for an overview.

Getting started with TLL is simple:

1. Sync your properties
2. Create your TLL policy

Once setup is complete, Sure Verify helps manage insurance requirements and keeps tenant coverage information up to date.

Rentec Direct clients who create a TLL policy can charge their tenants to cost of the TLL policy if the tenant does not comply with your renter's insurance policy.

Important: Tenant liability insurance requirements may vary by state and local jurisdiction. Before making insurance a lease requirement, consult your local landlord-tenant association or a real estate attorney to ensure your requirements and lease addendum comply with applicable laws in your area.

Sync Your Properties

An account administrator must enable Sure Verify and select the properties to be included.

This short GIF walks through accessing Configure TLL Insurance and beginning setup.

In your Rentec Direct account:

1. Click Settings
2. Under Tools, click Utilities

3. Select Configure TLL Insurance

   
   

   

   
   
4. Click Select properties to sync

5. Select the properties you want to include

   
   

   

   
   
6. Click Sync properties 

The sync may take a few minutes, depending on the number of properties. You can leave the page; the sync will continue processing, and you'll be notified when it's done.

Create Your TLL Policy

Once your properties finish syncing, you can create your TLL policy for the properties that require coverage.

Create as many TLL policies as needed to meet the insurance requirements for different groups of properties. Each policy can cover a specific selection of properties and coverage requirements.

Before getting started: Make sure applicable lease agreements have been updated with the required insurance terms.

In your Rentec Direct account:

1. Click Settings
2. Under Tools, click Utilities
3. Select Configure TLL Insurance
4. Check the box to confirm: All applicable lease agreements have been updated to include your insurance requirements.
5. Click Create New Policy

Choose Your Account Type

Select the option that matches your Rentec Direct account:

• Property Management Company for Rentec PM accounts

• Owner / Operator Landlord for Rentec Pro accounts

  
  

  

Review Your Information

6. Review your business information and Primary Policy Contact information, and make any necessary updates.

These changes apply only to the TLL policy and do not change the Rentec Direct administrative information.

7. Select the Effective date for the policy

Policies begin on the first of the month, and you can select a start date up to 90 days in the future.

8. Click Get Started

Finalize Your Coverage

9. Under Finalize your coverage, review the liability limit for your TLL policy. A quote is automatically provided.

10. Add any additional coverages required by the lease. The quote updates automatically.
11. Select the properties this TLL policy should cover.

The properties selected during the sync are shown here. You can change the selection for this policy.

12. Click Next: Additional information
13. Answer the three required questions and review the Property Eligibility Checklist
14. If your properties meet the requirements, check the confirmation box and click Next: Finalize
15. Add your payment method, and check the Terms and Conditions box
16. Click Save and Finish

You're All Set!

Sure Verify will review the policy information. Once the policy is approved, the Renters Insurance Required input field in the property profile is automatically updated and locked to help maintain compliance. 

What Happens When the Policy Takes Effect

Once the Property Manager Policy becomes effective, Rentec Direct emails tenants at covered properties with instructions to verify their existing renters insurance or purchase coverage through the Tenant Portal.

Tenants have 7 days to complete this step. If they do not verify or purchase coverage within that time, the Property Manager (TLL) insurance policy created for the property automatically takes effect.

What the Tenants Experience

Verifying insurance and purchasing insurance is a quick process through the tenant portal. The following steps will walk tenants through the process.

You can easily log in as the tenant to help walk them through the steps. Learn more about how to Log in as the Tenant.

In the Rentec Direct Tenant Portal:

1. Click Summary

2. Click Purchase or Verify Insurance

   
   

   

   
   
3. Review the Terms of Use and Privacy Policy, then check the box to acknowledge and agree to the terms.

4. Click I already have renters insurance to verify existing insurance coverage and add SureVerify as an "additional interest" or "interested party"

   

   
   
5. Click Get started to purchase a policy if insurance is needed.

Tip: Watch the helpful How it Works video for more details.

View a Tenant's Insurance Status

The Edit Tenant page provides a comprehensive overview of each tenant's insurance status.

In your Rentec Direct account:

1. Click on Tenants
2. Right-click a tenant and select Edit Tenant
3. Under Insurance Information, see the Enrollment status.

Once there's an active policy in place, you can access more information like:

• Manual Policies: Insurance records downloaded by the tenant or landlord
• Sure Policies: Policies purchased through the standard Sure integration
• Sure Verify Policies: Policies purchased or verified through SureVerify.

If you are interested in learning more about the Tenant Legal Liability program, please reach out to success@rentecdirect.com for additional materials and access to Sure. 

Insurance products described herein are underwritten by Republic-Vanguard Insurance Company, a subsidiary of AmTrust Financial Services, Inc., and made available through Sure HIIS Insurance Services, LLC, a licensed insurance producer. Sure is compensated by AmTrust for its services. This content is provided for general informational purposes only and does not alter or amend the terms, conditions, or exclusions of any insurance policy. Coverage is subject to the language of the policies as actually issued. All coverage descriptions are illustrative and do not guarantee specific coverage outcomes.