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Renters Insurance

Serving the U.S. and Canada

Renters Insurance Solutions for MGAs
& Property Technology Partners

Our Renters Insurance division delivers flexible, scalable insurance solutions designed for MGAs and property management software providers across North America. We combine strong underwriting, customizable risk structures, and white-glove service to help our partners maximize value and performance.

Whether you're looking to expand your insurance offerings, optimize your current program structure, or simply provide a seamless protection option for renters, we're here to support you.

HO-4 Renters Insurance: Flexible Risk Solutions for Modern Distribution

We provide the product. You power the experience.

As a specialized insurance carrier, we offer competitive HO-4 Renters Insurance solutions designed for MGAs, proptech platforms, and distribution partners seeking reliable, flexible risk capacity.

Our renters insurance program delivers essential HO-4 coverage—including personal property, liability, loss of use, and more—backed by strong underwriting, nationwide availability, and pricing that supports both scale and retention.

Group Renters Insurance: Seamless Coverage for Modern Property Management

Offer your residents peace of mind while simplifying your operations. Our Group HO-4 Renters Insurance solution is designed for property managers and software providers who want to deliver built-in protection at the point of lease—reducing risk and enhancing resident satisfaction.

Our point-of-lease model automatically offers coverage during the leasing process. Monthly premiums are bundled with rent payments, eliminating the need for external policy tracking, reducing coverage gaps, and ensuring consistent protection across your portfolio.

Tenant Legal Liability Coverage: Protection When Residents Aren't Covered

Even with insurance requirements in place, renters don't always maintain active policies—and when accidents happen, that gap can leave property owners exposed.

Our Tenant Legal Liability (TLL) program is designed specifically for property management companies seeking a reliable backstop when residents fail to carry their own liability coverage. This policy provides essential protection for the property owner against resident-caused damage, helping to reduce out-of-pocket losses and preserve NOI.

Security Deposit Insurance: A Smarter Alternative to Cash Deposits

As traditional cash security deposits continue to fall out of favor, Security Deposit Insurance is emerging as a more innovative, renter-friendly alternative. We support MGAs with the insurance product and underwriting expertise needed to bring this innovative offering to market, providing flexible capacity and strategic guidance.

Our role is focused on providing insurance policies backed by reliable underwriting and a deep understanding of the renters' insurance landscape. This product is a powerful addition to any modern leasing strategy.

Contact AmTrust Warranty & Specialty Risk for Renters Insurance

To learn more about our renters insurance coverage options, please contact AmTrust Warranty & Specialty Risk today.
 

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