Rentvine Insurance LLC
Built into the way you already work.
Every door covered.
Insurance built directly into Rentvine.
HO4 enrolls residents at signing. TLL protects every owner. Both live inside Rentvine so coverage is visible, compliance is automatic, and your team stays focused on growth.
Smarter protection.
Insurance that works at the portfolio level.
Rentvine Insurance helps property managers standardize protection across every door. HO4 enrolls residents instantly at signing. TLL covers the units where HO4 isn't in force.
Both run inside the workflow your team already uses: no spreadsheets, no third-party logins, no chasing.
Talk to our insurance teamThe problem.
You collect the policy at signing. Then what?
Six months in, the policy quietly lapses, and you have no idea until water hits the floor.
Rentvine Insurance fixes it on both sides. HO4 enrolls residents in seconds and tells you when they drop coverage. TLL backs you up either way.
Talk to our insurance team
Every door covered.
Two products. One workflow.
HO4 — Renter’s Insurance
Protects the resident.
Tells you when a resident’s policy lapses.
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What it covers
Resident’s belongings & liability
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PM benefit
Compliance you can see. Lapses you get alerted to.
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Who pays
The resident
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Enrollment
Instant at signing — no underwriting
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Availability
All 50 states + DC
TLL — Tenant Legal Liability
Protects the owner.
For units without HO4 in place.
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What it covers
Owner’s structure from tenant-caused damage
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PM benefit
Portfolio-wide safety net, system-applied.
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Who pays
The PMC (often passed through)
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Enrollment
System-applied at portfolio level
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Availability
Subject to state availability
HO4: Renter’s Insurance
Renter's insurance that finally works for property managers. Instant approval. Visible compliance. Cancellation alerts. No more spreadsheets.
Know the second a policy lapses.
We ensure that you, the PM, are listed on the policy as an additional interest where you are notified if a resident cancels. No more surprise gaps. No more water-damage discoveries.
One policy. One standard. Every door.
Same coverage across your portfolio. No more reviewing 50 different third-party certificates with 50 different exclusions.
Keys move on time.
No underwriting means no leasing delays. Resident enrolls in minutes, signs the lease, picks up the keys. Don’t forget that you, the property manager, get to review and approve the policies to ensure they fit your requirements.
Compliance lives inside Rentvine.
Policy status and a copy of the policy sit on the lease record—always audit-ready. The spreadsheet’s gone.
What renters get.
- Up to $100K personal property coverage
- Up toUp to $100k personal and injury liability
- Loss of use
- Medical payments
- Pet bite liability
- and more
TLL: Tenant Legal Liabilty
Tenant Legal Liability backs up the units where HO4 isn’t in force, so accidental tenant-caused damage doesn’t fall on the owner.
Portfolio-wide application.
System-driven coverage across every unit; no exceptions to manage.
Higher-than-standard limits.
Built-in add-ons designed for the realities of property management.
Owner peace of mind.
Structured, predictable protection against accidental tenant-caused damage.
Why it works as a system
One enrollment. One alert system. One safety net.
- Residents pick HO4 at signing.Your team does nothing.
- Lapses ping you the second they happen.
- TLL covers the units where HO4 isn't in force.
Hear more from our insurance team.
Ready to make insurance the easy part?
Our team is ready to answer your questions, walk you through HO4, TLL, or both, and help you get started. Fill out the form and we'll be in touch.
Frequently asked questions.
Examples of covered causes of loss may include fire, smoke, explosion, accidental water damage and other covered tenant-caused incidents.
In fact, many property managers require Renters Insurance while using TLL as a compliance solution for residents who do not provide proof of qualifying coverage.
TLL and Renters Insurance serve different purposes and solve different risks.
Property owners should continue to maintain appropriate property insurance coverage. TLL is intended to provide an additional layer of protection against certain tenant-caused losses.
Benefits include:
- Native Rentvine integration
- Real-time compliance visibility
- Higher coverage limits
- $0 deductible on covered losses
- Expanded protection options
- Dedicated insurance support
- Simplified administration
$150,000 per occurrence
This exceeds many traditional TLL offerings.
Covered losses are subject to a $0 deductible.
- Fire damage
- Smoke damage
- Explosion
- Water discharge
- Certain sewer backup incidents
- Other covered accidental tenant-caused property damage
Rentvine's program includes bed bug remediation coverage, subject to policy terms and limits.
Limited fungi and bacteria remediation coverage is available when associated with a covered loss.
Intentional acts, fraud, criminal activity, and other excluded causes of loss are not covered.
Residents should obtain Renters Insurance for protection of personal property.
Residents seeking liability protection should obtain Renters Insurance.
- Personal Property
- Personal Liability
- Loss of Use
- Medical Payments
- Pet Bite Liability
$100,000 in Personal Property Coverage
Medical Payments coverage can help with certain minor guest injury expenses regardless of fault.
Additional protection is available for covered pet-related incidents. Coverage(s) may vary by state.
Replacement cost coverage is included for covered personal property.
Eligible residents receive instant approval with no underwriting questions.
Roommate coverage options are available.
Payment options may vary by state and carrier availability.
- Native platform integration
- Reduced administrative burden
- Better compliance tracking
- Enhanced visibility
- Higher TLL limits
- Expanded coverage offerings
- Dedicated insurance support
By integrating insurance compliance directly into property management workflows, teams can spend less time chasing documentation and more time serving owners and residents.
Rentvine provides visibility into coverage status and compliance information directly within the platform.
Rentvine Insurance products are available in all 50 states plus DC.
The Rentvine Insurance team can help guide property managers & residents through the claims process.
- Photos and videos
- Lease information
- Incident details
- Police reports (if applicable)
- Repair estimates
- Vendor invoices
Every insurance policy contains terms, conditions, limitations, and exclusions.
Coverage is determined based on the facts of each claim and the applicable policy.
Insurance products, limits, pricing, and availability may vary by state.
Email: rvi@rentvine.com
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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