Landlord Required Tenant Liability Insurance

The Lease Agreement only requires Tenants to carry a $100,000 in Landlord Legal Liability coverage for accidental or tenant damage resulting from fire, smoke, backup or overflow of sewer, drain, water damage, falling objects and collision with vehicles.

We strongly recommend that all residents purchase a Renters Insurance policy to ensure that their belongings are covered.

Residents have 3 options to satisfy the lease requirement:

Option 1: Do nothing — you will be automatically enrolled in our Tenant Liability Insurance Program. You pay the monthly premium together with rent.

Tenant Liability Insurance DOES NOT include coverage for:

Personal Property
Theft
Loss of Use
 Pet Liability

Cost: $9.00 per month

Option 2: Purchase renters insurance from our preferred provider and provide proof of coverage to us. The policy is pre-underwritten and meets the terms of your lease while also providing coverage for:

Personal Property Personal Property
Theft Theft
Loss of Use Loss of Use
Pet Liability Pet Liability

Cost: Depends on limits, coverages, and deductibles you select

Request coverage for Renters Insurance

  • You are pre-approved for coverage, so there are no credit checks. 

  • The coverage includes both the minimum liability coverage as required in the lease and personal contents coverage.

  • If you don’t find your rental property address, call 844-957-1543, give them your property address, tell them you are with Liberty Management in San Antonio, and you want the Surevestor renter’s insurance policy.

  • Once coverage is placed, please provide us a copy of your coverage.

Option 3: Purchase renters insurance from a licensed agent and provide proof of coverage

to us. Please ensure to obtain limits that meet the required amounts and name our Property

Management Company as an "additional interest".

Cost: Varies on your provider and applicant’s creditworthiness, among other factors

Frequently Asked Quesitons

  • WHAT IS RENTERS INSURANCE?

    Renters insurance is an agreement between you and your insurance company that covers you if any of your personal belongings, like furniture or electronics, get damaged or destroyed. Renters Insurance also provides liability coverage, which protects you for negligent damage to the apartment or injuries to others that may occur at your place.
  • WHAT DOES THE TENANT LIABILITY POLICY COVER?

    This policy offers protection from accidental or negligent damage associated with the perils of fire, smoke, explosion, backup or overflow of sewer. drain or sump, & water damage of up to $100.000 per occurrence with no aggregate limits. Tenant's benefit from this by having some protection in the event they cause damage to the landlords' assets.
  • ARE WE REQUIRED TO OBTAIN THIS INSURANCE?

    Yes. The Landlord requires coverage of $100,000 of liability coverage per the lease agreement. This requirement can be fulfilled by either a Renters Insurance policy or a Tenant Liability policy. Tenants may opt out of this coverage by obtaining a similar policy from their own insurance company of choice.
  • IS MY PROPERTY MANAGER AN INSURANCE SALESPERSON?

    NO. Your property manager is not a licensed insurance salesperson. Contact Beecher Carlson at (404) 460-1425 should you have questions about your insurance options.
  • WHO IS BACKING THIS INSURANCE?

    The Tenant Liability Insurance is underwritten by Brit Global Specialty USA.