Rentvine Insurance LLC

Tenant Legal Liability coverage designed to work the way you do.

Smarter protection for modern property management

Tenant Legal Liability (TLL) insurance from Rentvine Insurance LLC helps protect property owners from accidental tenant-caused damage and is built directly into your Rentvine workflow.

Insurance that works at the portfolio level

Rentvine Insurance LLC helps property managers standardize protection across their entire portfolio. Our Tenant Legal Liability (TLL) coverage delivers higher-than-standard limits, built-in add-ons,and an easy path to activation, all designed to reduce risk and simplify operations.

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Tenant-caused damage is a top risk for property owners

When tenants don’t maintain qualifying renters insurance, property managers are left managing risk manually by tracking compliance, following up on documents, and handling exceptions unit by unit.

Tenant Legal Liability (TLL) insurance from Rentvine Insurance LLC simplifies this process by providing a more consistent, system-driven approach to protecting rental units from accidental tenant-caused damage.

Let’s dig in to the specifics.

Built to reduce risk and save your team time

Tenant Legal Liability insurance is designed to support property managers with a more reliable, streamlined way to handle tenant-caused damage exposure without adding operational complexity.

Confidence that every unit is protected

Help ensure consistent handling of tenant-caused damage across your portfolio, even when renters insurance is not in place.

Less manual tracking and follow-up

Reduce the time your team spends chasing proof of renters insurance, managing exceptions, and enforcing compliance.

Consistent, system-driven application

TLL is designed to work within the Rentvine property management workflow, helping apply coverage more reliably and uniformly.

Reduced risk for property owners

Provide owners with added confidence that accidental tenant-caused damage to their units is addressed in a structured, predictable way.

Fewer operational headaches

Minimize one-off processes, spreadsheets, and ad hoc tracking related to insurance compliance and tenant-caused damage.

Designed specifically for Rentvine customers

This is not a generic insurance add-on. Tenant Legal Liability insurance is purpose-built for property managers using Rentvine.

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Questions? We’ve got answers.

TLL is a policy designed to protect property owners and property managers from accidental tenant-caused damage to the rental unit. The policy is owned and administered by the property management company.

The property manager is the named insured. Tenants are not insureds; tenant occupancy triggers the coverage.

Renters insurance protects the tenant’s personal property and liability exposure. TLL protects the landlord’s physical asset from tenant-caused damage.

Accidental tenant-caused property damage to the unit, including certain types of accidental damage, subject to policy terms and exclusions.

Coverage limits may be available up to a program maximum and may vary by state, placement, and policy terms.

No. Coverage applies only to the landlord’s structure and fixtures.

This program is structured not to include a deductible, subject to policy terms.

No. Intentional or criminal acts are excluded from most insurance policies.

Limited coverage is available through included endorsements, subject to sub-limits and policy terms.

No. TLL is strictly property damage coverage and does not replace any injury or liability coverage.

The property manager files the claim as the named insured.

Tenant renters insurance is primary when in force. TLL typically responds as excess secondary coverage for landlord property damage.

All cancellation, renewal, and policy notices are issued to the property manager.

While the policy is owned and controlled by the property manager, program costs may be allocated by the property manager in accordance with lease terms and applicable law.

Requirements are determined by the property manager. Many programs require TLL when tenants do not maintain qualifying renters insurance.

In some programs, tenants may opt out by providing proof of qualifying renters insurance that meets the established requirements of the property manager.

No. Wear and tear and maintenance-related issues are excluded.

Accidental pet-related damage may be covered if not intentional and not otherwise excluded.

Coverage may apply if the damage occurred during the policy period and is reported in accordance with policy requirements.

TLL availability varies by state and is subject to regulatory approval and placement through licensed surplus lines brokers.

No. TLL does not replace landlord property insurance or liability coverage required by lenders and/or state law.

No. Coverage applies only to the leased unit associated with the tenant.

Subrogation may be pursued when permitted by policy terms and state law.

Any tenant impact is governed by lease terms and recovery actions and is not determined by the TLL policy itself.

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General Disclosure: Rentvine Insurance products are administered by Rentvine Insurance LLC, dba Rentvine Insurance Agency LLC in Minnesota. Rentvine Insurance LLC is licensed as an insurance agency in applicable jurisdictions.

Disclaimer: The information on this Website is provided by Rentvine Insurance LLC for informational purposes only and is not an offer to sell, or a solicitation to buy, any particular insurance product. No insurance product is offered or will be sold in any state in which such offer or solicitation would be unlawful under the laws of such state. Not all insurance coverages or products are available in all states. This Website and its content are directed at persons having professional experience in the matters to which it relates. It is not intended to and does not constitute any communication, invitation or inducement to persons not having professional expertise in matters relating to investments or other business products or services that are the subject matter of this Website. Certain insurance products are not available other than through a licensed surplus lines broker and, in such instances, the insurance carrier is not licensed in the relevant U.S. jurisdictions.

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