Frequently Asked Questions

How do I link my policy?

Simply login to your account. Your community manager should have already created an account on your behalf. You can search for your community from the homepage and select “Provide Proof of Insurance” to begin the process. You will authenticate using your e-mail address or phone number.

Once signed in, if you do not have a policy already you will be immediately prompted to add new coverage. Simply follow on-screen instructions to complete.

If you already have a policy but need to add new coverage, once logged in you can simply select “Link New Policy” at the bottom of your policy list page in order to link another policy.

What if I don’t have my login credentials to my insurance carrier?

After selecting your insurance company you can select the “Forgot your password?” link found directly below the username and password fields. This will take you directly to your insurance company’s “Forgot Password” workflow.

You can also visit your insurance company’s website directly and recover your information using their online services. For some insurance companies, you may need to setup your account the first time if you have never done so. The insurance company’s customer service line or agent should be able to assist you with getting online access to manage your policy.

Does CoveredCommunity have access to my login credentials?

The login credentials you provide while linking your policy are never accessible to CoveredCommunity. Your information is encrypted during transit and is sent, via our service provider Covie, directly to your insurance company. No person has the ability to see your credentials at any point.

What insurance info does CoveredCommunity have access to?

CoveredCommunity only has access to your policy number, agent name and contact information, coverage limits, policy dates, your mailing and insured address, and a list of persons covered by your policy. We do not have access to information about your payment history, methods, or premium and we do not have any ability to make changes to your policy.

What does CoveredCommunity do with my insurance info?

CoveredCommunity will monitor your insurance policy and check your limits and coverage information to ensure that it meets the minimum requirements for coverage specified by your community’s property manager. Your information is stored encrypted and is never shared with third parties.

What do I do if I can’t find my carrier to connect to CoveredCommunity?

For insurers where we do not have an established relationship, you will need to provide us copies of your policy material sent to you by your insurance company. This is usually described as a “Declaration Page” or “Dec Page” and may have been sent via U.S. Mail or E-Mail and is frequently available online via the insurance company’s website or mobile app – if they offer one. Once you have gathered the correct material that clearly shows the date of the policy, your name, the address of your community, and your policy’s limits you can upload them to CoveredCommunity by going directly to the Upload Your Policy page. You will have the option to select files from your computer or use your mobile device’s camera to capture a photo of your documents.

Why can’t I find my carrier when trying to connect it to CoveredCommunity?

CoveredCommunity uses a service known as Covie in order to connect to your insurance company. At this time, not every insurance company has a relationship with Covie to allow access to your policy. New insurance companies are being added all the time, so be sure to check back often. Connecting your policy via Covie is the best way to ensure you never have to worry about updating your coverage information.

If you are unable to link your policy, however, you can upload your declaration page to CoveredCommunity by going directly to the Upload Your Policy page.

Who is CoveredCommunity and why do I need to connect my insurance?

CoveredCommunity is a service provided to apartment communities in partnership with your property manager that helps ensure that all residents are fulfilling their obligation to maintain adequate insurance coverage that protects themselves, their neighbors, and the property manager.

When CoveredCommunity retrieves my insurance info, who has access to it?

Only yourself, your property manager, and CoveredCommunity employees can access your insurance information. We do not share your information to third parties.

Am I able to delete my insurance info from CoveredCommunity, or rescind access?

Yes, you may remove your policy or unlink your coverage at any time by logging in, selecting the coverage you want to remove, and clicking the “Unlink Policy” option. Your information will be fully removed from our system within 30 days of deletion.

Does My Landlord’s Insurance Policy Protect Me?

In short, no. Your community building insurance policy covers structural damage to the apartment building. This coverage typically does not cover your personal property if it was damaged or stolen. Your Personal Liability and Personal Property limits of coverage would protect you against these perils, as well as others. That is why your community requires that you show proof of renters insurance prior to moving in to your unit and that you carry active policy coverage throughout your tenancy.

What Is Renters Insurance?

A renters insurance policy is a group of coverages to help protect you for unexpected events, also known as covered perils. The policy coverage protects your personal belongings against theft, break-in or a visitor’s injury in your unit. It also pays for additional living expenses if you are displaced from your unit on a covered loss.

Why do I need Personal Liability coverage?

Your community Lease agreement requires you to have a minimum Personal Liability coverage which is typically a minimum of $100,000 or higher. This coverage protects you if are sued for hurting someone or damaging someone else’s property. Refer to your Lease for specific required limits of coverage. Personal Liability protects you for your personal actions and does not respond to bodily injury or property damage to you or any other insured named on the policy. including costs to defend you, when an injured person claims you accidentally caused bodily injury or damage to their property. This coverage does not extend to auto-related or business-related injury or damage.

Why do I need Personal Property coverage?

Your community may require you to have a minimal Personal Property limit of coverage to protect your personal belongings and anyone else’s belongings due to unforeseen incidents. Check with your community on your specific Lease requirements for actual limits required. Your belongings are covered up to the limits you choose against accidental and unexpected damage when certain types of losses happen, called “Perils” in your insurance policy. The policy provides coverage for losses caused by things (perils) such as fire, theft, or water damage from plumbing overflow or roof leaks. However, not all types of property or losses are covered. For example, the policy does not provide coverage for personal property you lose or break, or when the damage is caused by flood or earthquake. Also, the policy does not cover motor vehicles, animals, land, or buildings. Some limitations and restrictions also apply, such as special limits for jewelry and certain kinds of collectibles. Please refer to your policy for details.

Why is there a Maximum Deductible Limit?

Your community Lease requires that you carry a Maximum Deductible so you can make a claim against your Personal Property coverage. A deductible is the amount that is subtracted from your covered loss before the policy will pay you. While increasing your deductible usually lowers your premium payment, it can also make it more unaffordable to make a claim. Typically you will be required to have a maximum Deductible Limit of $500 or less, but check with your community for the Personal Property Deductible Limit.

Who should be listed on my policy?

Your community will require all adult residents (18+ years) to be listed as Named Insureds on your policy even if an immediate relative. Not everyone in your unit is automatically covered. Coverage varies by provider, but typically only named insureds on the policy are covered. If you are sharing the apartment with a roommate, boyfriend, girlfriend, or significant other adult (18+ years), that person is not covered under your policy unless added as a Named Insured on the policy. If you choose a D&H policy, you will not need to name the community as Landlord or Additional Interest. However, if you chose to go with another carrier, some communities require you list the community name as Landlord Interest.

What if my insurance isn't enough?

Not all insurance coverages are the same. Check your community's specific Lease requirements for actual requirements. If your insurance policy limits of coverage do not meet your community’s Lease requirements, you can sign up with this community’s preferred provider, Deans & Homer, InsureYourStuff. This policy meets the Lease requirements and you are automatically preapproved for a policy just by living at this community and nothing more you need to do, as your policy will automatically be sent to the community. Click the link below to sign up for a policy:

Purchase Pre-Approved Renters Policy →

Can't find what you're looking for?

Our Support Team is available for your questions and assistance by email at [email protected] or by calling us at (800) 247-5089 (Hours: M-F 8:30 a.m. to 5 p.m.).

Please be prepared to provide your policy details, such as the full name of your insurance carrier name you’ve connected––or are attempting to connect––and/or any screenshots of error messages you may have received. Please do NOT include sensitive information in your request, such as account numbers or passwords.