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Does your Lease Contract require all residents at the property to carry Renter's Insurance?
Is this a manufactured home or mobile home?
Excluding storms, floods and other natural causesLosses caused by lightning, windstorm, hurricane, tornado, sinkhole collapse, flood or rising water, earthquake, earth movement, freezing, hail, sinking, landslide, snowstorm, volcanic eruption and wildfire., have you had any losses Occurrences which caused direct physical damage to property or injury to persons, whether covered by insurance or not. in the past three years?
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Do you have a pet that has caused bodily harm to anyone? (excluding service animalsService animal is defined as guide dogs, signal dogs, or any other service animals that are trained to do work or perform task for the benefit of an individual with a disability)
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We are sorry, but we are unable to provide coverage for you at this time.

Notice of Adverse Underwriting Decision

If you have been declined insurance coverage, it is because of the answer(s) you have provided to the question(s) on your application for insurance. We have based this decision solely on the information you have provided on your application.

Access to recorded personal information
Upon your written request and submission of proper identification

  • Within 30 business days of the receipt of your request to access to your recorded personal information, Assurant will inform you of the nature and substance of the recorded personal information in writing.
  • You have the right to see and copy personal information in person or obtain a copy by mail. The information must be reasonably described by you and reasonably locatable and retrievable by us. Any information we provide you will be in plain language.
  • If recorded, we will disclose the identity of those persons or institutional sources who gave us information within two (2) years prior to your request. If not recorded, we will disclose the names of those to whom such information is normally disclosed.
  • You may request correction, amendment, or deletion of recorded personal information by submitting written request to Assurant Specialty Property, 11222 Quail Roost Drive Miami, FL 33157.
  • Assurant shall provide medical record information supplied by a medical care institution or medical professional, along with the identity of the medical professional or medical institution which provided the information, either directly to you or to a medical professional designated by you, which is licensed to provide medical care with respect to the condition to which the information relates. Assurant will notify you if it elects to disclose the information to a medical professional designated by you. For CA and MA residents mental health record information shall be supplied directly to the individual only with the approval of the qualified professional person with treatment responsibility for the condition to which the information relates.
  • We may charge a reasonable fee to cover the costs incurred in providing you a copy of recorded information.

Request to correct, amend, or delete recorded personal information
Within 30 business days from the date of receipt of your written request to correct, amend, or delete any recorded personal information, we must:

  1. Correct, amend or delete the portion of the recorded personal information in dispute; or
  2. Notify you of our refusal to make the correction, amendment or deletion, and the reason(s), for the refusal, and your right to file a statement if you disagree.

If we refuse to make a correction, amendment or deletion:

  1. You have the right to file a concise statement with us. Your statement:
    (a) must set forth what you believe to be the correct, relevant, or fair information and,
    (b) explain why you disagree with our refusal.
  2. We will file your statement with any disputed personal information and make it accessible
    so that anyone reviewing the information will be cognizant of your statement.
  3. Furthermore, your statement will be with any subsequent disclosure.

If the information is corrected, amended or deleted, the changes will be in writing and provided to you, any person who may have received the incorrect information within the preceding two (2) years, any insurance-support organization that received the information within the preceding seven years, and any insurance support organization that furnished the personal information that has been corrected, amended or deleted.

If you would like additional information concerning this action, you have 180 days to submit a written request to:

Assurant Specialty Property®
Privacy Office
Adverse Underwriting Decision
11222 Quail Roost Drive
Miami, FL 33157-6596

We will respond to all written requests for additional information within 21 business days.

Notice to North Carolina applicant’s only:

As required by North Carolina law, the insurance company checked below is the Assurant Specialty Property® company applicable to North Carolina residents:

 American Bankers Insurance Company of Florida

We are unable to process your application on our website as we need additional information. Please email our Underwriting Department at Please include the following in your email: "Renters Policy" in the subject line and in the body of the email state the following: "Requesting to obtain the Renters Application and Prior Loss History form". Once the completed application is received by our Underwriting Department we will notify you as to whether coverage will be provided.

We need to verify your address with our database

The address you provided has been verified and modified to conform to the U.S. postal service standards. If you prefer to use the verified address please click "Yes, use the verified address" check box.

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Address verification

The address you provided could not be found in our U.S. postal service database. Please check your address and click next to proceed to your quote.

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Personalized quote

Your price is:
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Save {{11*global.priceInfo.serviceFee | currency}} Switch to annual payments Switch to monthly payments

Your policy price includes

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Deductible:{{global.deductible | currency:undefined:0}}
Special $1000 deductible applies for hurricanes
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Replacement cost:not included
Sewer or drain backup:not included
Earthquake backup:not included

We’ve pre-selected our most popular coverage for you. You can personalize below.

Monthly payments include a transaction service fee of up to $5 per month, depending on your state of residence. As a small token of appreciation to you, we won’t charge this transaction fee for the first month.
Personal liability coverage protects you in the event of bodily injury or damage to someone else's property for which you are legally liable. The liability coverage has no deductible. This coverage pays the property manager/owner for damages to the unit caused by you as a result of the following:
Accidental discharge of water (like a burst pipe)

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You'll have to pay a deductible when you claim. The higher your deductible payment, the lower your premium will be.
Customize your Personal Property coverage
This number represents the value of the personal property you'll be purchasing coverage for – whether you just want to cover big electronics, or the majority of your items. Remember that in order for an item to be covered, you'll either need its receipt or a photo along with its brand name, serial number and model.
We'll pay the cost of replacement of your personal property without deduction for depreciation (minus any applicable deductible). You'll replace the items yourself, and we'll then reimburse you for their replacement cost.
This coverage pays for damages to your personal property as a result of water backup of sewers or drains. You can get up to $2,500 for each occurrence (up to $5,000 in North Carolina). This add-on carries a $250 deductible.

Important purchase information

  • Key coverage
    •  Personal property damage
    •  Water damage
    •  Theft
    •  Medical payments
    •  Fire, wind & smoke damage
    •  Personal liability
  • Read the FAQs

    Q. When will I receive my policy? A. If you’ve chosen to receive your policy documents electronically, you’ll get an email between 24 and 48 hours after purchasing your policy online. If you give us an incorrect or invalid email address, your policy documents may be delayed.

    If you chose not to receive your documents electronically, you should receive your policy documents within 10 days from the time you purchase your policy online.

    Q. Should I list my landlord/community as an additional insured? A. No – if you’re liable for damage to the community as a result of fire, smoke, explosion or water damage, your property manager won’t be able to collect damages against your policy if they’re named on your policy too.

    If your property manager wants to be named on the policy you can consider adding them as an interested party.

    See all FAQs >

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Questions? Call toll-free at 1-855-792-2355