Tenant liability insurance is required. Residents must carry at least $100,000 in property damage liability coverage protecting the landlord's property against fire, smoke, explosion, accidental water discharge and sewer backup.
You're automatically enrolled in The Joseph Group's master tenant liability policy unless you opt out.
How do I opt out?
Submit proof of your own policy through the Tenant Liability Insurance opt-out form. You'll need to show:
- Your policy is active, with start/end dates and the named insured
- The Joseph Group is listed as an "Additional Interest" party
- Tenant liability coverage of at least $100,000
If your own policy lapses after lease signing, you'll be re-enrolled in the master policy at $9/month.
$9
per month · $100,000 coverage
Important: This policy covers damage to the landlord's property only. It does not cover your personal belongings and does not replace a personal renters insurance policy.
Coverage Notice
BY ELECTING THE TENANT LIABILITY INSURANCE THROUGH LANDLORD’S PREFERRED PROVIDER VIA THE AUTOMATIC PROGRAM SET FORTH ABOVE, YOU WILL NOT BE LISTED AS A NAMED INSURED UNDER THE OWNER'S POLICY. THE TENANT LIABILITY INSURANCE POLICY IS NOT DESIGNED TO REPLACE A RENTER'S PERSONAL LIABILITY INSURANCE POLICY. NO COVERAGE IS PROVIDED TO COVER TENANT CONTENTS.
Failure to Maintain Insurance
If the tenant’s coverage for their independently self-procured tenant liability insurance is lapsed by either non-payment or non-renewal after lease execution, The Joseph Group will place the Tenant under this program by default for $9.00 per month.
Insurance Disclaimer
The Joseph Group, insuring company and broker have the right and full authority to change, amend, modify or cancel; coverage’s, limits, benefits, waivers, requirements, cost, master insurance policy, and Tenants Benefit Package at any time and tenant shall agree to comply with any such changes at that time. Tenant insurance is non-transferable to other tenants, leased units, or properties. The Tenant Master Policy is in excess of any existing Renters insurance coverage available. The underwriting insurance company is responsible for all claims handling and claim decisions. The Joseph Group is not an adjuster and does not pay claims or make claim decisions. If the tenant chooses to purchase additional coverage to protect their own interests or property over and above the insurance benefit provided by The Joseph Group, the tenant can procure a renters insurance policy at their expense. This is not intended to replace a tenant’s personal property or liability insurance policy. All Tenants should consult an insurance professional to evaluate and determine personal insurance needs.
The tenant agrees that The Joseph Group shall have the right and authority (without, however, any obligation to do so) to procure insurance, which charges shall be payable by tenant immediately upon notice and tenant further agrees that tenant has accepted the information about the insurance from the lease agreement.