PandaRenters
Renters Insurance
Renters get a policy covering their belongings, their living expenses, and their liability — while owners get a building full of insured residents.
From $15 a month · Bought online in minutes · Satisfies the lease requirement
The Gap In Every Lease
“Renters insurance required”
Most leases require it. Most buildings still have residents without it — because finding, buying, and keeping a policy is left entirely to the renter.
A building’s policy
Stops at the walls
The structure of the building
The owner’s liability
The renter’s belongings
The renter’s hotel after a fire
Damage the renter causes
A PandaRenters policy
Covers everything inside them
Belongings — fire, theft, water damage
Hotel and living costs if the home is unlivable
Liability for damage to the building or a neighbour
Medical payments for a guest’s minor injury
Pet damage, up to $500 on every policy
A building’s insurance stops at the walls. PandaRenters covers everything inside them.
One policy, two very different problems solved
For renters
Belongings covered against fire, theft, water damage, and more
Hotel costs covered if the apartment becomes unlivable
Liability coverage for accidental damage to the building or a neighbour
Satisfies the lease requirement in minutes, online
For owners & operators
Residents pay for damage they cause — through their insurer
Displaced residents call their carrier, not your leasing office
One less question at signing: “Where do I get renters insurance?”
Fewer uninsured losses landing on the owner’s policy
How It Works
Get the building covered in four steps
1
The property requires it
The lease requires renters insurance, and the owner offers PandaRenters as a way to meet it.
2
The renter signs up
They choose their coverage limits, get a quote, and buy the policy online in minutes.
3
We confirm coverage
Once the policy is bound, proof of coverage is issued to the property automatically.
4
Everyone moves on
The renter is covered from move-in. If something goes wrong, they file with their insurer — not with you.
Protection for what a building’s policy doesn’t touch
Every PandaRenters policy includes:
Personal property
Furniture, clothing, electronics, and other belongings.
Loss of use
Hotel and living expenses if a covered event makes the apartment unlivable.
Personal liability
Accidental damage to the building or others’ property, and injuries to guests.
Medical payments to others
Minor injuries to visitors, regardless of fault.
Pet damage
$500 included
Every policy includes $500 of pet damage protection as standard.
Coverage is limited to the amounts and conditions in the issued policy.
Insurance doesn’t change the lease
A policy protects the renter’s property and liability. It doesn’t soften a single obligation they signed up to — and the coverage has to stay in force for the whole term.
Lease obligations
Unchanged
01
Care for the apartment
02
Pay rent and utilities in full and on time
03
Follow every term of the lease
04
Pay for damage they cause
05
Keep required insurance in force for the full lease term
The signed lease continues to apply in full.
Less certificate-chasing for your team
Requiring insurance the old way creates permanent admin. Offering it in the flow you already run doesn’t.
Requiring it the old way
Collecting certificates at signing
Verifying limits and named insured
Tracking renewals across the portfolio
Following up on lapses and cancellations
With PandaRenters
Residents buy coverage in the flow you already offer
Proof of coverage issued automatically
Lapse notices issued if coverage ends
One workflow alongside PandaGuarantee and PandaDeposit
Make “renters insurance required” actually mean something
A two-minute way for residents to meet the requirement — and a building full of insured renters for your team.
Insurance products are offered through licensed partners. Coverage is subject to the terms, limits, and exclusions of the issued policy.
Fill Vacancies, Risk-Free.
1 World Trade Center, 85th Floor, New York, NY 10007