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I'm a property manager

I'm a resident

I'm an investor

Protect yourself, your residents, and your properties

Our Renters Insurance Program ensures 100% compliance, and liability coverage—plus, we handle the monitoring work, so you can focus on the rest of your business.

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We’ve got you covered˙

Protect your belongings and your home, including damage, liability, and loss of use.

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Safeguarding your biggest investment

Ensure that all your properties are protected from damage, plus get loss of rental income coverage if something goes wrong.

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Unlock peace of mind

We take the work of tracking insurance policies off your plate so you can see to the strategic aspects of your business.

100% coverage, 0% stress

90% of property managers require renters insurance, but only 41% of residents maintain compliant coverage. Our program ensures coverage by fully managing certificate tracking 365 days a year, so you don’t have to.

Coverage for the resident, the home, and the investor

Our Renters Insurance Program includes damage coverage for the home, liability and loss of use for the resident, and loss of rental income for investors. Everybody wins.

As pet-friendly as it gets

Many insurance carriers don’t offer dog bite coverage at all, or restrict breeds if they do. Not with our renters insurance program! If a dog is approved on the lease, your resident has coverage for bites. Plus, we cover pet damage, making it easier to make your homes and leases pet-friendly.

How it works

How-it-works_illustrations_Upload coverage

How-it-works_illustrations_Insurance - Tracking

Residents enroll when they sign their lease

Our Renters Insurance Program is included right in the lease, so residents know what to expect. 100% enrollment so you can feel confident that all your residents are compliant.

Each resident chooses their coverage

Residents can either enroll in our master policy, design a custom HO4 policy with higher coverage limits, or bring their own third-party coverage. Over 95% opt to take advantage of our master policy.

Upload proof of coverage

Residents are always welcome to find their own policy elsewhere. If they do, they simply upload proof of insurance, and we’ll evaluate it to make sure it meets the requirements outlined in the lease.

Full policy tracking with backup enrollment

Second Nature tracks each resident’s coverage to ensure that if it ever expires, the resident is automatically enrolled in our master policy. That ensures coverage every day of the lease term, with no extra work for property managers.

The Renters Insurance Program has saved us at least one staff member who was only doing insurance before. That's a whole salary.

Karen Jordan

HBR Rentals

Meet the rest of our benefits

Create a Triple Win for residents, investors, and property managers.

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Group Rate Internet

Savings at scale, for remote workers and cat videos enthusiasts alike.

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Credit Building

Build credit just by paying rent on time.

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Resident Rewards Program

Rent day is now rewards day.

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Air Filter Delivery

Cleaner air and reduced costs? Refreshing.

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On-Demand Pest Control

No one should have to live with unwanted guests.

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Move-In Concierge

No-stress utility setup.

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Identity Protection

Identity theft isn’t a joke. And neither is this protection.

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Renters Insurance Program FAQs

If a resident’s insurance policy expires, the Second Nature team will automatically flag it. The resident will then be enrolled into the Master Policy. If they later provide proof of updated third-party coverage, they will be removed from the Master Policy.

Second Nature Insurance Services provides an insurance program with $100K or $300K master liability policy per property. The policy covers the following perils: Fire, water backup of sewer, drain, or sump, explosion, smoke, falling objects, overflow of appliances, freezing pipes, loss of rental income, collapse , pet damage, bed bug remediation, and mold remediation . Personal liability: slips, falls, etc., and dog bite liability ($25K per occurrence) . $10K contents coverage insures against fire/lightning, water, wind/hail, explosion, smoke, and burglary.
As a rule of thumb, some perils like natural causes, vandalism, equipment breakdown, or wear and tear are subject to warranties or homeowner insurance. You won't find many (if any) renters policies covering these, including ours.

For resident belongings or contents, though, some are covered perils. For specific scenarios, please consult the policy or reach out to insurancesupport@secondnature.com so a licensed team member can help.

Unlike traditional HO4 policies, the Master Policy focuses on satisfying the insurance coverage requirements outlined in the lease, while providing affordable coverage for residents and their possessions located within the rental unit.

Second Nature Insurance Services provides an insurance program with $100K or $300K master liability policy per property. The policy covers the following perils: Fire, water backup of sewer, drain, or sump, explosion, smoke, falling objects, overflow of appliances, freezing pipes, loss of rental income, collapse, pet damage, bed bug remediation, and mold remediation . Personal liability: slips, falls, etc., and dog bite liability ($25K per occurrence) . $10K contents coverage insures against fire/lightning, water, wind/hail, explosion, smoke, and burglary.
As a rule of thumb, some perils like natural causes, vandalism, equipment breakdown, or wear and tear are subject to warranties or homeowner insurance. You won't find many (if any) renters policies covering these, including ours.

For resident belongings or contents, though, some are covered perils. For specific scenarios, please consult the policy or reach out to insurancesupport@secondnature.com so a licensed team member can help.

Our Renters Insurance Program assists with negligent resident-caused damage to the home or unit, including common areas. The home must be enrolled in a lease-compliant policy. Second Nature tracks and manages resident compliance to drive 100% coverage, whether through our policy or another that the resident chooses. Many property investors are able to get discounts on their own property insurance because of coverage ensured through our program.

Second Nature Insurance Services provides an insurance program with $100K or $300K master liability policy per property. The policy covers the following perils: Fire, water backup of sewer, drain, or sump, explosion, smoke, falling objects, overflow of appliances, freezing pipes, loss of rental income, collapse, pet damage, bed bug remediation, and mold remediation . Personal liability: slips, falls, etc., and dog bite liability ($25K per occurrence) . $10K contents coverage insures against fire/lightning, water, wind/hail, explosion, smoke, and burglary.
As a rule of thumb, some perils like natural causes, vandalism, equipment breakdown, or wear and tear are subject to warranties or homeowner insurance. You won't find many (if any) renters policies covering these, including ours.

For resident belongings or contents, though, some are covered perils. For specific scenarios, please consult the policy or reach out to insurancesupport@secondnature.com so a licensed team member can help.

Close your compliance gaps today.

Get a demo

Renters Insurance Program is provided by Second Nature Insurance Services, LLC (NPN 20224621). Any policies placed under this program are placed by the preferred insurance partner-broker of Second Nature’s Insurance Services, LLC

˙All coverage is subject to the terms and conditions of the issued policy. Certain exclusions may apply.

Protect yourself, your residents, and your properties

We’ve got you covered˙

Safeguarding your biggest investment

Unlock peace of mind

Full protection for you and your things

Protecting all your properties and more

How it works

Residents enroll when they sign their lease

Each resident chooses their coverage

Upload proof of coverage

Full policy tracking with backup enrollment

Karen Jordan

Meet the rest of our benefits

Group Rate Internet

Credit Building

Resident Rewards Program

Air Filter Delivery

On-Demand Pest Control

Move-In Concierge

Identity Protection

Renters Insurance Program FAQs

What happens if a resident’s previous insurance policy expires?

How does the Master Policy differ from traditional renters insurance?

What does the Second Nature Renters Insurance Program cover?

What isn't covered in the policy?

Does the policy cover intentional damage by residents?

If multiple people live in a residence, who’s covered? What if they’re not related?

Renters Insurance Program FAQs

How does the Master Policy differ from traditional renters insurance?

What does the Second Nature Renters Insurance Program cover?

What isn't covered in the policy?

If multiple people live in a residence, who’s covered? What if they’re not related?

Does the policy cover intentional damage by residents?

Renters Insurance Program FAQs

How does renters insurance protect property owners?

How does the Master Policy differ from traditional renters insurance?

What does the Second Nature Renters Insurance Program cover?

What isn't covered in the policy?

Does the policy cover intentional damage by residents?

Close your compliance gaps today.