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Cover360® Renters Insurance & Tracking

Help increase participation in your renters insurance program

Higher Participation. Lower Risk.

Help increase participation in your renters insurance program, reduce coverage gaps, and generate more ancillary revenue per unit with Cover360®  and Cover360®  Plus. Designed exclusively for property management companies, this innovative suite of solutions deliver both end-to-end risk management and excellent resident experiences in a single renters insurance program backed by an industry leader. 

Your residents get fast, easy enrollment and affordable insurance for meeting their lease requirements and you get solid, ongoing protection for your properties and more opportunities to maximize net operating income.

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Monthly premiums bundled with rent encourage participation 

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Built-in tracking guarantees visibility and notifications of compliance status 

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Decades of tracking expertise and streamlined workflows for property managers

How Cover360 & Cover360 Plus Work

Cover360 boosts resident participation in your renters insurance program and keeps them compliant by making it easy for them to pay insurance premiums with their monthly rent. All tenants are eligible and Assurant handles all ongoing tracking so your team can focus on moving in more residents and managing your properties.

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  1. As soon as a resident signs a lease, the resident receives a link to the Cover360 online portal via text or email. If you opt for Cover360 Plus, coverage is included at lease signing or residents can quickly upload outside proof of coverage.
  2. Resident is enrolled in a pay with rent policy or they can upload proof of coverage through the portal.
  3. Assurant continuously tracks and verifies coverage to ensure compliance.
  4. If residents don't maintain adequate coverage, Assurant will send notice of noncompliance and issue a liability-only policy when necessary.

Product Features

Cover360 and Cover360 Plus integrate with most property management software to streamline the process of offering, tracking, and maintaining coverage.

The Offer

As soon as your residents sign a lease, we'll email or text them a link to an online portal where they can easily purchase an Assurant pay-with-rent policy or upload a third-party policy. If you opt for Cover360 Plus, coverage is included or residents may submit proof of outside insurance in just a few steps. According to a recent study we conducted, 73% of after renters are more likely to purchase policies when conveniently bundled with their monthly rent payments.

*Information has been sourced from Multifamily Housing industry research (i.e., NMHC and Multifamily Executive) and internal Assurant consumer studies.

Tracking

Once your resident purchases an Assurant policy, coverage begins immediately or as of the listed effective date (typically lease-signing). Those with outside insurance may upload their third-party policy details to our resident portal. Either way, Assurant continuously monitors all tracked policies for up-to-date coverage without any work needed from your leasing staff. 

Compliance

When a resident isn't in compliance with your requirements, we reach out reminding the resident to purchase a policy or upload proof of coverage to the online portal. If a resident fails to maintain adequate coverage, we can issue a liability-only policy on your behalf. 

Resources for Evaluating Your Program & Portfolio Risk

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The Property Manager's Guide to Renter's Insurance

Since your program is only as good as its participation, it’s important to choose the right provider. Find out what to look for. 
Download the Guide
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11 Questions to Assess Your Property Risk

Take this 5-minute property risk assessment to better understand your current risk exposure and potential impacts to NOI.
Take the Risk Assessment

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