Requiring renters insurance is the easy part.
Every landlord requires it. Almost none have a system to confirm it still exists after move-in. Policies lapse, tenants switch to cheaper carriers and drop you, and limits drift below your lease, all without a word. We place the coverage, set the language the law requires, backstop the gaps, and give you one place to see your whole portfolio's status.
Built for property management, from a few doors to several hundred units.
Placement, notification, backstop, and tracking.
The requirement is one line in a lease. Managing it is four moving parts, and we run all four in one place.
Tenant placement
We become the preferred renters policy provider for your property, so limits and language are consistent and coverage is visible.
How it works →Interested party setup
The status Oregon actually lets you require, set correctly, so you are notified of lapse, cancellation, or removal.
How it works →Master TLL backstop
A landlord-held program that covers the units that fall out of compliance, so a missing tenant policy does not leave you exposed.
How it works →Compliance tracking
See per-property and per-unit compliance at a glance in Policy Vault, with renewal tracking and gap alerts.
Open Policy Vault ↗Get the requirement right before you enforce it.
In Oregon, ORS 90.222 sets real limits: a cap on the amount, an income exemption, interested party but not additional insured, and a rule that you carry comparable coverage yourself. Most lease templates miss at least one.
Independent landlords through multi-hundred-door property managers.
If you require renters insurance and cannot say, today, which tenants are actually covered, this is built for you. It scales from a few doors to several hundred units, and it is most valuable exactly where tracking has become work nobody owns.
Your own landlord coverage
The comparable coverage Oregon requires you to carry sits here. Start with the landlord policy.
Landlord insurance →Tenant renters insurance
The HO4 your lease should require, placed consistently across your property.
Renters insurance →The full learning center
Every guide, comparison, and answer on insuring and managing rental property.
Learn more →Put it to work today.
Free, practical, and built on the Oregon rules. The lease-clause template carries an attorney-review caveat.
Is my requirement legal?
A two-minute self-audit against ORS 90.222 with a plain-language fix list.
Take the self-audit →Compliance checklist
A move-in-through-renewal process for requiring, verifying, and backstopping tenant coverage.
Download PDF ↗Lease clause template
An ORS 90.222 starting-point clause to review with your attorney.
Download PDF ↗Interested party request
The correct request to send a tenant or their agent.
Download PDF ↗Move-in verification SOP
Standardize verification so it does not depend on one person remembering.
Download PDF ↗Renters insurance compliance, answered.
Can a landlord require renters insurance in Oregon?
What is the difference between interested party and additional insured?
Is collecting a move-in dec page enough?
What is a master tenant legal liability program?
Do I have to carry my own insurance to require tenant coverage?
What if a tenant's household income is low?
Is your renters insurance requirement actually legal, and enforced?
Take the two-minute self-audit. We will flag whether your lease asks for the right status, whether you account for the income exemption, whether you carry the comparable coverage Oregon requires, and how you would catch a silent lapse. No pressure, no obligation.
Learn the compliance playbook
Interested party vs additional insured vs loss payee
The terminology the whole market gets wrong, and which one you should require.
Can a landlord require renters insurance in Oregon?
ORS 90.222 explained: caps, exemptions, interested party, and the comparable-coverage rule.
Why a move-in dec page gives false confidence
A snapshot is not a system. How coverage disappears without a sound.
Tenant HO4 vs a master TLL program vs both
What each protects and why many portfolios run both.
7 mistakes landlords make requiring renters insurance
The fixable errors that leave owners exposed or offside the law.
The real cost of not tracking tenant insurance
The deductibles, premium hits, and admin time the honor system hides.
See your whole portfolio's compliance in one place.
We place tenant coverage, set the interested-party language correctly, backstop the gaps, and track it all in Policy Vault. Send us your portfolio and we will show you exactly where the exposure sits.