For Claims or Questions:
Email InsuranceSupport@SecondNature.com
Below is a Summary of the Renter’s Insurance provided through the Resident’s Benefit Package.
If you would like to replace this coverage with your own policy, please upload your policy to the SecondNature Insurance Portal to have your monthly fee reduced by $10.95.
Please make sure your new policy Avenue, LC must be listed as additional interest party:Avenue, LC
PO Box 660121
Dallas, TX 75266
Upload copy of policy to SecondNature Insurance Portal
Resident Renter's Insurance Master Policy Summary
This Master Policy is a group insurance plan designed to protect both property owners and residents. It includes liability coverage for damage to the unit, resident belongings, and personal liability.
Quick Links
- Liability Coverage
- Exclusions
- Personal Contents Coverage
- Additional Living Expenses
- Tenant’s Premises Liability
- Animal Liability
🔥 Liability Coverage to Property (up to $100,000)
Covers damage caused by the resident to the landlord’s property when the resident is legally liable and the cause is a covered peril.
Standard Covered Perils (No Deductible):- Fire
- Smoke
- Explosion
- Water
- Sewer/Sump Overflow
- Collapse
- Falling Objects
- Freezing of Pipes
- Appliance Overflow
- Pet Damage: $1,000/occurrence ($250 deductible)
- Mold Remediation: $1,000/occurrence (no deductible)
- Bed Bug Remediation: $500/occurrence ($250 deductible)
- Loss of Rental Income: $1,000/premise, $10,000/occurrence
🚫 What’s Not Covered (Common Exclusions)
Anything unrelated to resident negligence or legal liability is generally excluded. Examples include:
- Flood
- Natural disasters (lightning, tornadoes, hurricanes, etc.)
- Intentional damage or vandalism
- Wear and tear
- Equipment breakdown (e.g., ceiling fan shorts out)
🧳 Personal Contents Coverage (up to $10,000)
Protects your belongings against covered perils. No need for you to be legally liable. $500 deductible applies.
Covered Perils:- Fire/Lightning
- Wind/Hail
- Smoke
- Water
- Explosion
- Burglary
- Off-premise losses
- Flood
- Theft
🏠 Additional Living Expenses
If a covered peril makes your unit uninhabitable, up to $1,000 will be reimbursed to help maintain your standard of living during repairs or relocation.
🛡️ Tenant’s Premises Liability (up to $100,000)
Covers you if someone is hurt or something is damaged at your rental due to your actions. Includes:
- Lawsuit defense
- Medical payments to others
🐶 Animal Liability (up to $25,000)
Covers pet-related incidents if the pet is approved by your landlord. No breed restrictions.
Be sure to review the full master policy document for detailed terms, definitions, and exclusions.