Tenant Legal Liability Program
Take control of your rental experience by choosing the insurance option that works best for you. 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
As outlined in the Required Insurance Addendum found in your lease agreement, residents must maintain insurance covering resident’s legal liability for damage to American Campus Communities (“ACC”) property, with a minimum personal liability limit of $100,000.
There are multiple ways to comply with this lease requirement:
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
- Your ACC property listed as an additional insured as follows:
[Your property name, i.e. Campus Trails]
PO Box 38060
Albany, NY 12203
Automatically Enroll
If you do not choose option 1, your unit will be automatically enrolled in the ACC Tenant Legal Liability (TLL) to landlord policy. You will be charged a monthly fee for premium, taxes and administration for, among other things, the expense of processing monthly payments and administering the program. This non-refundable charge is more fully described in the Required Insurance Addendum.
Please note: this program does not provide any coverage for personal contents.
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.
FAQ's
Still have questions? Visit are FAQ page or contact us to speak with one of our dedicated agents.
