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LeaseGuard

Property & GL

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LeaseGuard’s Property & GL program offers specialized insurance coverage designed for rental property owners who need straightforward, effective protection. 
Whether you're managing a few units or a growing portfolio, this solution provides essential property and liability coverage to safeguard your assets, support risk mitigation, and simplify operations.

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Property and General Liability Insurance

Property Types Eligible for Coverage
​(Subject to underwriting review and availability based on property type and location.)

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    • 1-4 Unit Family Dwellings (excludes mobile homes)
    • Small Apartment Buildings (Up to 20 Units Available)
    • Renovation Projects undergoing cosmetic or structural work
    • Vacant Properties between tenancies, real estate listings, or sales
    • Seasonal & Vacation Rentals with intermittent occupancy (must meet crime score requirements and no shared amenities)

Available Coverages & Limits

Premium Property Coverage

Property Coverages

  • Total Insured Value (TIV) Coverage: Up to $2,000,000, including Business Income protection

  • Building Coverage: Up to $1,500,000 in property replacement protection

  • Business Personal Property (BPP): Covers up to $100,000 for on-site assets and contents

  • Inland Marine Property Limit: Up to $750,000 for mobile or specialty property

  • Property Deductible Options: Ranges from $2,500 to $25,000 ($1,000 available only when required by lender)

  • Coinsurance Basis: Actual Cash Value (ACV) and Replacement Cost (RC) available

  • Underwriting Flexibility: Non-coastal, windstorm-prone, and high-capacity properties eligible in most cases

General Liability Coverages

Comprehensive Protection Includes:
Protects residential owners with key liability coverages, including premises, products-completed operations, medical payments, and employee benefits.


Limits of Liability:

  • General Aggregate Limit (excluding Products-Completed Operations): $2,000,000

  • Products-Completed Operations Aggregate Limit: Included

  • Personal and Advertising Injury Limit: $1,000,000

  • Each Occurrence Limit: $1,000,000 per covered claim

  • Damage to Premises Rented to You: $100,000 per location

  • Medical Expense Limit: $2,500 per individual

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Enhance Resident Risk Management

Explore purpose-built solutions like DepositPro, LeasePro, and Renters Insurance, designed to help property owners and managers reduce resident-related risk. These integrated tools work together to strengthen your risk strategy, drive compliance, and streamline leasing operations without disruption.

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DepositPro

  • Security deposit alternative
  • Reduces resident move-in costs
  • Protects against damages, missed rent, and balances
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LeasePro

  • Tenant Legal Liability under a master policy
  • Automatically applied to non-compliant residents
  • Reduces uninsured unit risk
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Renters Insurance

  • Simple renters' insurance for residents
  • Covers personal belongings and liability protection
  • Designed for fast, frictionless compliance
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How Our Services Work

Designed for Simplicity, Built for Scale

LeaseGuard’s insurance and compliance solutions are engineered for seamless integration, scalability, and behind-the-scenes protection. Our systems work quietly to reduce uninsured risk, minimize operational disruption, and automate compliance across your leasing process, so your team can stay focused on performance, not paperwork.

With You Every Step of the Way

Partner Support

Dedicated Expertise from Day One

Every LeaseGuard partner is assigned a dedicated Partner Relationship Manager (PRM), your direct line to expert program management, onboarding, training, system configuration, and ongoing support. From optimizing performance to resolving issues and reviewing claims, your PRM ensures your experience is smooth, responsive, and fully aligned with your operational goals.

Easy Onboard & Ongoing Optimization

Streamlined Onboarding with Long-Term Results

We underwrite upfront to eliminate delays, then guide you step-by-step through system setup, staff training, and program launch. After go-live, your PRM stays actively involved, conducting monthly system reviews, supporting compliance tracking (including tenant-related support), and responding quickly to feedback, so your LeaseGuard program stays optimized and effective.

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Consultative Risk Management Approach

We assess your operations, risk exposure, and portfolio goals to deliver tailored insurance and compliance solutions aligned with your needs.

Tailored Products & Services

Our flexible solutions support both large portfolios and individual managers, aligning every service with your leasing workflow and risk profile.

Better Rates, No Trade-Offs

Enjoy better pricing with no compromise. Our pricing structure offers exceptional value while maintaining strong policy coverage and risk protection.

Dedicated Human Support

From onboarding to claims to resident coordination, your dedicated LeaseGuard account manager is just a call or email away. No automated systems, just real, knowledgeable people.

Operational Risk Alignment

We analyze leasing workflows to identify compliance gaps and reduce tenant-related risks through smarter system design and process optimization.

The LeaseGuard
​Difference

Expertise, Innovation, Results
At LeaseGuard, we do more than offer insurance products, we deliver a partnership built on over 20 years of experience, innovation, and results. Backed by our long-standing relationships with A-rated carrier partners, we've developed a suite of exclusive insurance solutions specifically for Property Owners and Managers.

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Partner With Us To Enhance Your Risk Management Strategy

Schedule a time to speak with a Risk Management Expert.

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