The insurance in the Resident Benefit Package (RBP) is a master policy through Second Nature, written by Concert Specialty Insurance Company. Eclipse Property Management is the named insured, and you are covered under it as an additional insured. It is not a renters (HO4) policy in your name. For the policy year September 1, 2026 to September 1, 2027 it includes:
- Damage you accidentally cause to the home: up to $100,000, no deductible. This covers fire, smoke, explosion, water, sewer or drain backup, frozen pipes, appliance overflow and a few other causes, when you are legally responsible for the damage.
- Your belongings: up to $10,000, $500 deductible. Covers fire, lightning, wind, hail, smoke, water leaks from plumbing or appliances, burglary with forced entry (a police report is required) and other named causes, even if you did not cause it. Cash, jewelry and similar items are limited to $50.
- Hotel and extra living costs: up to $1,000 if a covered loss makes the home unlivable.
- Personal liability: up to $100,000 if someone is hurt in your home or you damage someone else's property, including a legal defense, plus up to $1,500 in medical payments for a guest.
- Animal liability: up to $25,000 for an animal living in the home. No breed restrictions. Animals with a history of biting and exotic pets are not covered.
- Pet damage to the home: up to $1,000, $250 deductible.
- Bed bug treatment: up to $500, $250 deductible, when an infestation starts during your lease.
What it does not cover: flood, sewer backup or freezing damage to your belongings, theft without forced entry, damage done on purpose, normal wear and tear, and damage tied to drug use, including marijuana. Your rent account needs to be in good standing for the belongings and liability coverage to apply.
If you would rather carry your own renters insurance, it must meet the lease requirements. Here is how to upload it.
Read Second Nature's 3-page policy summary (PDF). If anything here differs from the master policy, the policy governs. Questions? See who to contact about your RBP.