01
Renter's insurance may not cover damage to the house.
Members and parents assume renter's insurance covers the property. It doesn't.
02
Collecting from members damages relationships
Chasing members after damage is slow, inconsistent, and creates conflict for volunteers and boards.
03
Coverage gaps create claims exposure
Without consistent coverage, small incidents become Property and Casualty Insurance claims that raise premiums over time.
The problem
01
Renter's insurance doesn't cover the building
Members and parents assume renter's insurance covers the property. It doesn't
02
Renter's insurance doesn't cover the building
Chasing members after damage is slow, inconsistent, and creates conflict for volunteers and boards.
03
Renter's insurance doesn't cover the building
Without consistent coverage, small incidents become P&C claims that raise premiums over time.
The problem
HOW IT WORKS
01
Building-wide enrollment via lease addendum
All resident members are enrolled automatically. No individual policy tracking or renewals.
02
Members pay the program fee
Zero cost to the organization. A monthly margin comes back to you.
03
When damage happens, you're covered
The waiver handles repair costs before your P&C policy is touched. Less finger-pointing, fewer claims.
