Tenant Renters Insurance Verification and Compliance Checklist
Requiring tenant renters insurance protects both landlords and tenants from liability and loss. This verification checklist ensures tenant insurance meets lease requirements and is maintained throughout the tenancy.
- Industry: Real Estate & Property Management
- Frequency: Annual / Per Lease Execution
- Estimated Time: 15-20 minutes
- Role: Property Manager / Leasing Agent
- Total Items: 31
- Compliance: State Landlord-Tenant Laws on Insurance Requirements, Fair Housing Act - Insurance Requirements Must Not Discriminate, Commercial Lease Insurance Provisions, HUD Insurance Requirements for Section 8 Housing
Policy Existence and Validity
Verify tenant has active renters insurance policy.
- Tenant provided certificate of insurance or policy declarations page?
- Policy effective date before or on lease start date?
- Policy expiration date after current date?
- Insurance company is admitted carrier in state (not surplus lines without landlord approval)?
- Insured name matches tenant name on lease?
- Policy covers the specific rental address?
Coverage Limits and Requirements
Verify insurance meets minimum lease requirements.
- Personal liability coverage meets lease minimum (typically $100,000-$300,000)?
- Personal property coverage meets any required minimum?
- Medical payments coverage included?
- Loss of use or additional living expense coverage included?
- Policy deductible is reasonable (not so high coverage is effectively illusory)?
Additional Insured and Landlord Protection
Verify landlord named as additional interest or insured.
- Landlord or property management company named as additional interested party on policy?
- Policy provides 30-day notice of cancellation to landlord?
- Waiver of subrogation in favor of landlord included where required by commercial lease?
- Landlord's right to request proof of insurance at any time documented in lease?
Tracking and Renewal
Set up insurance tracking and renewal reminders.
- Policy expiration date entered in tenant tracking system?
- 30-day renewal reminder set before policy expiration?
- Lease provision for non-compliance understood (cure notice, lease violation)?
- Certificate of insurance on file in tenant record?
- Annual reverification date scheduled?
Commercial Tenant Insurance Requirements
Additional requirements for commercial tenants.
- Commercial general liability minimum $1M per occurrence met?
- Umbrella or excess liability policy meeting required limits?
- Workers compensation coverage meeting state requirements for commercial tenant?
- Tenant's improvements and betterments coverage adequate?
- Business interruption coverage to protect landlord rent stream?
Documentation
Maintain insurance verification documentation.
- Insurance certificate filed in tenant record?
- Any non-compliance notices documented with tenant response?
- Any insurance requirement waivers documented with justification?
- Insurance requirement enforced consistently for all tenants?
- Lease insurance provisions reviewed by attorney for enforceability?
- Annual insurance audit of entire portfolio complete?
Related Real Estate Property Checklists
- Fair Housing Compliance Audit Checklist
- HOA Community Standards and Covenant Compliance Audit Checklist
- Fair Housing Compliance Audit Checklist
- Move-In Property Condition Inspection Checklist
- Move-Out Property Condition and Damage Assessment Checklist
- Monthly Rental Property Inspection Checklist
- Vacant Property Security and Condition Inspection Checklist
Related Regulatory Compliance Checklists
- Fair Housing Compliance Audit Checklist - FREE Download
- HOA Community Standards and Covenant Compliance Audit Checklist - FREE Download
Why Use This Tenant Renters Insurance Verification and Compliance Checklist?
This tenant renters insurance verification and compliance checklist helps real estate & property management teams maintain compliance and operational excellence. Designed for property manager / leasing agent professionals, this checklist covers 31 critical inspection points across 6 sections. Recommended frequency: annual / per lease execution.
Ensures compliance with State Landlord-Tenant Laws on Insurance Requirements, Fair Housing Act - Insurance Requirements Must Not Discriminate, Commercial Lease Insurance Provisions, HUD Insurance Requirements for Section 8 Housing. Regulatory-aligned for audit readiness and inspection documentation.
Frequently Asked Questions
What does the Tenant Renters Insurance Verification and Compliance Checklist cover?
This checklist covers 31 inspection items across 6 sections: Policy Existence and Validity, Coverage Limits and Requirements, Additional Insured and Landlord Protection, Tracking and Renewal, Commercial Tenant Insurance Requirements, Documentation. It is designed for real estate & property management operations and compliance.
How often should this checklist be completed?
This checklist should be completed annual / per lease execution. Each completion takes approximately 15-20 minutes.
Who should use this Tenant Renters Insurance Verification and Compliance Checklist?
This checklist is designed for Property Manager / Leasing Agent professionals in the real estate & property management industry. It can be used for self-assessments, team audits, and regulatory compliance documentation.
Can I download this checklist as a PDF?
Yes, this checklist is available as a free PDF download. You can also use it digitally in the POPProbe mobile app for real-time data capture, photo documentation, and automatic reporting.