Renters insurance protects tenants from damage or theft by covering their personal belongings in case of unexpected events. It can also help protect your rental by ensuring there is coverage in place if something goes wrong.
In most cases, tenants will upload their renters insurance themselves through their TurboTenant renter portal.
However, if your tenant sends you a copy of their policy directly (for example, by email), you can upload it on their behalf.
Do tenants get notified when renters insurance is required?
Yes. When renters insurance is required for a lease, your tenant will be notified and prompted to provide proof of insurance.
They’ll typically see:
A reminder in their renter portal
A request to upload their renters insurance policy
This helps ensure tenants know insurance is required and can take action without you needing to follow up manually.
Tip: We recommend having tenants upload their policy themselves when possible, since they can quickly fix any issues if something doesn’t match.
Below is an example of the email notification your tenant gets of the Renters Insurance requirement that is sent to your tenants.
When should I upload a policy for my tenant?
You may want to upload a policy if:
Your tenant sends you their insurance document directly
Your tenant is unable to upload it themselves
You want to ensure the policy is added to the lease quickly
If your tenant has not yet uploaded their policy, you can also ask them to complete this step in their renter portal.
To Upload a Copy of the Renters Insurance Policy:
Go to the Tenants tab in your account
Select the tenant you’d like to upload a policy for
Scroll to the Lease section
Select Upload Policy
Enter the policy details and upload the document such as the start & end date, and upload or drag and drop the document.
Files must be <20MB and one of these file types: CSV, DOCX, JPG, PNG, PDF, TXT, XLSX, or ZIP.
What happens after a policy is uploaded
After a policy is uploaded, TurboTenant will automatically review the document and provide a pass/fail result based on common requirements. We'll check the renters insurance policy against common requirements using our trained AI.
If the policy looks good
You’ll see confirmation that the policy appears to meet requirements.
This may include verification of:
Policy type (renters insurance / HO-4)
Tenant name match
Property address and unit match
Coverage dates align with the lease
Additional Interest is included (if required)
You can still open and review the document yourself at any time.
If there’s an issue with the policy
If something is missing or doesn’t match, you’ll see that the policy needs attention.
Common issues include:
Missing Additional Interest
Address or unit mismatch
Coverage dates don’t match the lease
Document is not renters insurance
From there, you can review the document and follow up with your tenant to request an updated version.
What to do if a policy doesn’t meet your requirements
Open the uploaded document
Identify what needs to be corrected
Message your tenant with clear instructions
Ask them to upload an updated policy
Your tenant can upload a new version from their renter portal at any time.
Where can I view a tenant’s renters insurance?
You can view renters insurance in two places:
Tenant Profile
From the Tenants tab, select your tenant to:
View, download, or update the policy
Take actions like uploading or notifying the tenant
Lease Profile (Summary tab)
You can also view the insurance status from the Lease Profile → Summary tab.
In the Renters insurance section, you’ll see statuses such as:
Waiting on proof – The tenant has not uploaded a policy
Uploaded – A policy has been submitted
Needs attention – There may be an issue with the policy
This is a status-only view.
Important notes
TurboTenant provides an automated review to help identify common issues
The review is not a guarantee of coverage or compliance
You are still responsible for confirming the policy meets your requirement
Here’s a clean section you can drop into the renters insurance article that fits your Help Center tone and keeps it clear for landlords:
Managing Expired or Canceled Insurance Policies
Landlords can remove expired or canceled SURE/Assurant renters insurance policies from a tenant’s profile to keep records up to date.
When a policy is no longer active, a Delete option will appear in the three-dot menu next to the policy. This allows you to remove outdated coverage and take next steps, such as:
Uploading proof of a new renters insurance policy
Reminding the tenant to purchase or update their coverage
Important: Active SURE/Assurant policies cannot be deleted and will remain on the tenant’s profile until they expire or are canceled.
FAQs
Q: Can my tenant upload the policy instead of me?
A: Yes. Tenants can upload their own policy through their renter portal, and you’ll be notified once it’s submitted.
Q: If my tenant uploads their own policy, will I be notified?
A: Yes. You’ll receive an email with a summary of the policy and whether it appears to meet requirements or needs attention.
Q: What if the system says the policy failed, but it looks correct to me?
A: You can still accept the policy. The automated review is meant to help flag issues, but final approval is your decision.
Q: What is “Additional Interest” and why does it matter?
A: This means you’re listed on the policy so you can be notified if coverage is canceled or changes during the lease.
Q: Do I still need to review the policy?
A: Yes. The scanner helps reduce manual review, but you should still verify anything that looks unusual or important.