Resident Insurance Program Overview
Take control of your rental experience by choosing the insurance option that works best for you. Automatically enroll, purchase coverage directly through LeaseTrack, or upload proof of alternative insurance to meet your landlord’s requirements. Our solution is easy, affordable, and designed to save you time for the things you love. Rent with confidence, knowing you’re covered by a program trusted by your landlord.
Program Overview
Village Green has contracted with LeaseTrack to manage your insurance requirements. Your lease requires you to maintain liability insurance coverage with a minimum personal liability limit of $100,000.
There are multiple ways to comply with this lease requirement:
Automatic Coverage
Village Green has partnered with LeaseTrack to administer a cost-effective Tenant Legal Liability (TLL) program. For a monthly fee, this program will meet the $100,000 insurance requirement in your lease and provide $5,000 in coverage for your personal property.
No action is required to take advantage of this program. The monthly fee will be added to your rental charges.
You can see the full list of coverages for the TLL policy below.
Purchase a Policy
Easily purchase a policy with special pricing and great coverage through LeaseTrack. To buy a policy, click the button below.
If you purchase from LeaseTrack, your leasing team will be automatically notified of your coverage.
For more information on the coverages provided by LeaseTrack, please click here.
Upload Proof
If you have insurance with someone other than LeaseTrack, you can submit proof of that insurance below. Upload your existing policy with name, address, policy number and coverage dates, and we’ll verify your coverage. Your policy and proof of insurance must include the following information:
- A minimum personal liability limit of $100,000
- Village Green listed as an additional insured as follows:
Village Green
PO Box 38060
Albany, NY 12203
TLL Coverages
Covered:
While limitations may apply, coverage applies to personal property on a replacement cost basis for damage resulting from:
- Fire
- Lightning
- Windstorm
- Hail
- Smoke
- Accidental discharge or overflow of Water/Steam
- Explosion
- Burglary (illegal forced entry)
Not Covered:
The TLL policy would not typically insure for loss caused directly or indirectly by any of the following:
- Earthquake
- Neglect
- Animals or animal bites
- Freezing
- Power Failure
- War
- Intentional loss
- Governmental actions
- Motor vehicle liability
- Watercraft liability
- Business liability
- Illegal acts
- Pollutants
- Theft (mysterious disappearances)
- Vandalism
- Water (from flood, surface water, overflow from body of water, sewer back-up)
- Other (as outlined in policy)
Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether the loss event results in widespread damage or affects a substantial area.
TLL FAQ's
Please contact us if you have any additional questions.
Fees are billed monthly and are collected with your monthly rent.
Your insurance coverage terminates with your move out and/or upon returning possession of your apartment to the community. You do not need to provide any request for extensions or advance notice of cancellation for normal move-out situations.
Your coverage is non-transferable to any other location and will not cover you when you are not at your apartment home. If you have any questions, please call LeaseTrack at 800-430-8075.
Report your claim online and provide the following information:
- Your personal contact information
- Apartment community name
- Incident location information
- Description of the accident or loss
- A list of property damaged in the incident
Once the claims information is received, you will be contacted by a claims examiner. The claims examiner may request additional information or documentation to support the claim.
Before recovering from any loss, you must provide the carrier with all pertinent records needed to prove the loss; and if requested, send them a sworn statement of loss upon request. Do not discard damaged goods. Wait until a claims examiner has contacted you and advised that these may be discarded. If this is not possible, take a photograph of the item(s) before discarding them.
Please also notify your property manager as soon as possible if a loss has occurred in your apartment.
Occasionally, renters insurance claims are denied. The most common reasons for denial are:
- Claim filed for non-covered events. For example, the Renters Insurance Program will not cover damage due to flooding. Your personal property is also not protected in the event of an earthquake.
- Inaccurate information. If you have provided your insurance company with inaccurate information about your apartment, the personal items contained therein, or the damage caused, your claim may be denied.
- Suspected fraud. Insurance fraud is a real problem, and if your claims adjuster or insurance company suspects fraud on your part, your claim may be denied pending further investigation. Having a copy of all receipts for major purchases as well as a video documenting the contents of
your apartment can go a long way in helping you to prove that your loss is legitimate.
The insurance reimbursement fees for the insurance program are specific to each community and vary based on the personal content limits selected. Your insurance reimbursement fees will not increase as a result of submitting a claim. However, the insurance carrier has the right to cancel or non-renew policies under certain circumstances. Insurance reimbursement fees may change over time as outlined your lease agreement.
You certainly can! There are two options for this – Option 2 LeaseTrack, or Option 3: Third-Party Provider. LeaseTrack provides excellent customized coverage and special pricing for Village Green Residents. To purchase a policy, get a quote here or call 800-430-8075
If you choose to fulfill your lease requirements for renters insurance through a third party, please include the following information:
- Your name, and names of all adults living in the home
- Your address
- Policy number
- Policy start and end dates
- Evidence of personal liability with minimum limit of
$100,000 - Your community name listed as an “Additional
Interest.” The Additional Interest must be listed with your community name, and then the P.O. Box:
Village Green
P.O. Box 38060
Albany, NY, 12203
Please upload your proof of coverage here and LeaseTrack will notify you and your property manager once all information is received and you are compliant with your lease requirements.
If your policy expires and you wish to renew that coverage, you will need to send an updated proof of coverage directly to LeaseTrack at by uploading a new proof of insurance here. LeaseTrack will update your compliance and notify your property manager.
If your policy expires and you do nothing, you will automatically be enrolled in the Option 1 and will be charged a monthly insurance reimbursement fee as outlined on your Insurance Lease Addendum.
If your policy lapses during your lease for any reason (non-payment or it was canceled), you will automatically be enrolled in the Insurance Program and will be charged a monthly fee for the program.
If you change carriers or replace your policy during your lease you can upload the new proof of coverage directly at leasetrack.ai. LeaseTrack will update your compliance and notify your property manager.
If your carrier will not add an Additional Interest as required by the Insurance Lease Addendum, we will be unable to accept that insurance policy. You may call 800-430-8075 to obtain appropriate coverage or do nothing, and you will be automatically enrolled in the Option 1, and you will be charged a monthly fee as outlined on your Insurance Lease Addendum.
No. Your community has outsourced all insurance tracking and management to LeaseTrack.
