You are not required to carry renters insurance by law, but your landlord required you to maintain liability insurance as part of your lease agreement.

Renters insurance isn’t legally required by local, state or federal government.  However, your landlord is requiring renters insurance as a condition to signing a lease.   Renters insurance provides protection in the event your possessions are lost, stolen or damaged, and also provides liability protection.

When you consider the cost of electronic equipment, clothes, jewelry, tools, kitchen gadgets and other personal items, you probably have far more invested in your personal property that you realize.  Many people think about an isolated loss to one area (such as a bedroom or a closet) but do not think about the cost to replace every item in your apartment.

Because renters insurance covers the contents within your home, you need to have a good idea of how much all of your belongings are worth.  The best way to determine how much insurance you should carry for your personal property is to create an itemized list of your belongings and their replacement costs.  It is important to determine how much it would cost to replace each item as brand new.  This should give you a good estimate for the total amount of insurance coverage you should carry.

In most cases, approval is automatic to residents with valid in-force lease/rental contracts with the landlord.  However, the insurance carrier has the right to deny, cancel or non-renew coverage under certain circumstances.

Attractive pricing options have been established so you know what your monthly payment is up front.  Premiums are specific to each apartment community and vary depending on the content limits you decide to buy.  The online enrollment website shows exactly how much your insurance coverage will cost per month, which is specific to your apartment community.

You can reach customer service at 888-919-0975.

Licensed representatives are available Monday through Friday 9 a.m. to 8 p.m.  Eastern and Saturday 9 a.m. to 5 p.m. Eastern.

You will need to cancel your policy to coincide with your lease termination date.  If you move to a different apartment community, please check with your leasing office to see if they offer the PRIO Renters Insurance Program coverage.  If so, you will want to purchase another policy and make it effective to your new lease date. Please note renters insurance policy premiums are specific to each apartment community.

Enrollment can be completed online by you. Please contact a licensed representative at 888-919-0975 with any questions regarding coverage.

The tenant living in the apartment community named on a valid lease and the Declarations page is considered the named insured.  The named insured includes the spouse if a resident of the same household.  Roommates can be named insureds if they are listed on the lease agreement and on the policy.  Termination of coverage for named insured occurs when they are removed or substituted on your lease.  Other individuals qualifying as insureds are defined in your policy.  Your total policy limits are shared amongst all insureds in your apartment.

If you need to change your policy effective date after you have purchased renters insurance, please contact customer service at 888-919-0975.  Licensed representatives are available Monday through Friday 9 a.m. to 8 p.m.  Eastern and Saturday 9 a.m. to 5 p.m. Eastern.

If you need to make changes to your policy after you have purchased renters insurance, please contact customer service at 888-919-0975.  Licensed representatives are available Monday through Friday 9 a.m. to 8 p.m.  Eastern and Saturday 9 a.m. to 5 p.m. Eastern.

You may change or cancel your coverage at any time by contacting customer service at 888-819-0975. For mid-term cancellations, your landlord would require substitute insurance to be placed on file to ensure you meet any on-going lease obligations.

Your insurance coverage is non-transferable to any other location.  We recommend you secure new insurance effective with your move to ensure your belongings are adequately protected during the move process.

Your insurance policy offers an important feature that provides additional living expense coverage when your apartment unit is damaged or destroyed.  This coverage may include the cost of certain hotel expenses, or to cover rental expenses if you are required to continue payments while repairs are being made.  Depending on the severity of the loss, you may be displaced for a few days or your lease agreement may be terminated and you will be required to permanently relocate to a new apartment.  This coverage feature provides compensation to assist with these loss situations as outlined in the policy.

If you elected to receive your policy documents electronically, you should receive an email within 48 hours after your policy was purchased online.  Please note that incorrect or invalid email addresses will delay the delivery of policy documents.  If you elected to have the policy sent by mail, you should receive your policy documents within 10 days from the time you purchase your policy online.