Benefits So Good, You May Never Want To Leave.

Frequently Asked Questions

• Renters Insurance

  • What is Renters’ Insurance?

    Renters insurance is a policy that provides protection for damages you cause to your home and can also include personal liability coverages and/or coverage for your belongings. Policies and coverages will vary.

  • Do I need renters insurance?

    Per your lease agreement, your management company and/or landlord requires you to furnish insurance to protect the home/unit. A quality affordable policy may be included as a part of your resident benefits package.

  • What’s covered under the Resident Benefits Package policy?

    $100,000 of property damage, $100,000 of personal liability, and $25,000 of dog bite coverage if you have a registered animal. Your policy also may include $10,000 contents coverage. If not and you would like a policy that includes contents coverage, you can easily buy or upload one that does at insurance.residentforms.com.
    For questions about your policy please contact claims@secondnature.com

  • What type of events are NOT covered under my policy?

    1. Vandalism/intentional damage
    2. Pests (ie. squirrels, mice, ants, roaches, etc)
    3. Flood damage - does not cover flood damage from outside water sources. i.e rain/storms or water main line back up
    4. Wear and tear
    5. Theft or misplacement of personal property
    6. Your property manager’s policy includes coverage for burglary. However, theft is excluded. Theft is different from burglary in that burglary relates to incidents involving forced entry into the home/unit. Theft, which is excluded, pertains to mysterious disappearances without any evidence of forced entry.
    7. Natural causes (hurricanes, tornadoes, etc) If these are covered, it typically would be through the homeowner’s policy.

  • What are my out of pocket expenses?

    Your monthly premium is included in your Resident Benefits Package. Additionally, like any insurance you will be responsible for any applicable deductible which can range from $0 to $500 depending on the claim type.

  • What extra coverages are available?

    If you do not wish to automatically enroll in the standard policy as a part of your Resident Benefits Package, you can purchase an HO4 renters insurance policy and customize your coverages. Please select the “Purchase a Renters Insurance Policy” option or contact a representative if you are interested in extra coverages.

  • Is my spouse covered?

    The Resident Benefits Package policy will cover the residence up to the specified policy limits. If you choose to purchase a customized policy instead of opting into your property manager’s policy, your spouse would be automatically covered as an additional insured.

  • Is my roommate covered?

    The Resident Benefits Package policy will cover the residence up to the specified policy limits and would apply to roommates as well. If you choose to purchase a customized policy instead of opting into your property manager’s policy, roommates are NOT automatically covered. Roommates can be added as additional insureds for an incremental premium.

  • Can I keep my policy if I move?

    If you are enrolled in your property manager’s policy, please contact support for questions about transferring coverage. If you have purchased a separate policy or have a third party policy you can transfer coverage upon your move. Please reach out to your carrier to update your address.

• General Questions

  • How do I know what my policy covers?

    Your property manager can provide details on their policy before you enroll. If you choose to purchase a customized policy you will be provided with details during the purchase process and a sample policy. You can edit the type of coverage and settings you want such as coverage limits, deductible, and start/end dates. Once you have paid, you will instantly receive your issued policy on the page and via email.

  • How do I pay for my policy?

    Your monthly premium is included in your Resident Benefits Package. If you choose to purchase a customized policy, you can pay using your credit / debit card or ACH. You will get charged every month on the same day as your first transaction, unless noted otherwise.

  • Can I switch over if I already have an active insurance policy?

    Yes, if you would like to enroll in your property manager’s policy, let your property manager know and you will be enrolled automatically. If you would like to purchase a new policy, please call your current carrier to cancel your existing policy. Make sure there is no lapse in coverage dates when making the change.

  • If I report a loss or have bad credit, will my premium be affected?

    A credit report is not run during the time you purchase your property manager’s policy and has no effect on your premium rate.

  • How do I update my information?

    Basic Information
    To update any information such as name, email and phone number log into your Resident Benefits account and click on the profile section.
    Renters Insurance
    To update any Information on your Renters Insurance policy, such as address or to add an insured, look up your specific carrier on your Renters Insurance policy and contact their specific representative.

  • How do I make a claim?

    Fill out the online claim form here
    Include the following information:
    Your Name/Contact
    Address
    Management Company Name
    
    Description of loss
    *If you have a third-party policy, please contact your carrier to submit a claim.

  • How do I cancel my policy?

    Simply advise your property manager of your decision. Please note, you will need to provide an updated proof of coverage from your new policy if you choose to cancel your Resident Benefits Package policy.

  • Where can I change my payment information?

    To edit your payment information for a customized Renters Insurance policy, please contact the support number for your carrier.

  • How do I customize my policy?

    Contact Second Nature by calling 1-800-673-1289 or emailing insurancesupport@secondnature.com.

  • How do I reset my password?

    On the login screen, click the ‘Forgot Password’ button, which will trigger an email to reset your password.

  • Who can I contact for more information or assistance?

    SUPPORT
    General Support and Questions Regarding your Resident Benefits Package:
    Email: residenthelp@secondnature.com
    Phone: 252-542-5430