Yes! Of course you can! It's a large document so please email Georgia@all3realty.com with your request for a sample lease and we will gladly send you a PDF copy. We LOVE that you are asking this question!
Yes! We do allow co-signers. Co-signers are financially bound to the contract just the same as an occupant. We do allow co-signers to be removed at the renewal period of the lease agreement. To do this, we require a property visit and ensure there are no late payments or lease violations.
(If you answer YES to any of the below questions, then YES, you need a Co-Signer.)
All 3 Realty is separated by state. These inboxes are monitored by multiple team members so that we can communicate with you efficiently. You can email them about rent, violations, questions, renewals, etc.
You can Meet The Team here: https://www.all3realty.com/about
The RBP is the Resident Benefit Package. This is a program we launched in 2019 to provide services to our residents which include but are not limited to Renters Insurance, HVAC filter delivery every 90 days, Credit reporting & more!
Effective March 1, 2024
Woah, that's a lot of words down there. Maybe this visual would be more helpful 😇 Master Insurance Policy (PDF)
Master Policy is a “group policy” written in the name of Property Managers, Owners, Distribution Partners, Agencies, rather than the resident like an HO4 policy.
Master Policies provide liability coverage for property damage to the named insureds’ buildings, units, and homes up to the specified coverage limit ($100k) and also provide coverage for damage to resident belongings up to $10k. Coverage for personal liability and dog bite liability is also included in the policy.
Definitions: In defining the scope of coverage, insurance policies rely on terms and phrases that have very special and often very specific meanings. Please be sure to review the definitions section closely in order to get a clear understanding of the policy terms.
The liability section of the master policy details the coverage provided to the named insured for property damages to the named insured’s covered buildings, units, or homes. Coverage is available up to the specified coverage limit for instances or occurrences where the resident was legally liable and when it relates to a specified named covered peril.
Covered up to $100k liability limit with $0 deductible
Automatically included; covered up to liability limit with $0 deductible
Automatically included; special sub-limits detailed below
Exclusions are the cases for which the insurance company does not provide coverage. These are the conditions excluded from the insured event to avoid losses to the company. The master policy will detail any and all exclusions that may affect the coverage provided. It is important to closely review exclusions as they may revoke coverage on certain items.
Think: anything not related to resident negligence or resident legal liability.
This section of the master policy details coverage provided for any claim by a “tenant” in which their personal contents were damaged via one of the named perils below. All perils are covered up to $10k with a $500 deductible/occurrence. Unlike property liability coverages, these perils do not require a resident to be negligent or legally liable for coverage to apply. Coverage will apply as long as the loss relates to one of the covered perils below.
If a loss via a covered peril to covered property or the building containing the property makes the “residence premises” not fit to live in, the policy will cover any necessary increase in living expenses incurred by the “tenant” so that the “tenant’s” household can maintain its normal standard of living. A coverage limit of $1k will apply. Payment will be for the shortest time required to repair or replace the damage or, if the “tenant” permanently relocates, the shortest time required for the “tenant’s” household to settle elsewhere.
The Tenant’s Premises Liability endorsement provides coverage for the tenant if a claim or suit is brought against them for damages because of “bodily injury” or “property damage” caused by an “occurrence” arising out of the tenant’s maintenance or use of the residence premise OR from an animal that is owned or in the care of the tenant (and approved by the landlord). This endorsement provides coverage for the resident for medical payments to others that they are liable for, as well as defense against suits brought against the resident relating to premises liability, property damage and bodily injury. Coverage does not apply to incidents that occur off premise.
Here are a few helpful resources:
Lastly, here is a great video to help as well: https://youtu.be/iCPym9SzIX8
Our residents are covered under our master policy starting the day of their move-in date. You will receive Evidence of Insurance about 30 days from your move-in date, but it's important to know that you are covered effective your move-in date.
Use this form to complete the Claim Submission:
https://form.jotform.com/240235617970053
Once completed, the Second Nature claims department will be in touch within 1–2 business days.
Review more information below on how to expedite this process:
