RiskRelease releases your renter’s insurance responsibility at your apartment community by automatically satisfying the lease requirement for you. Your renter’s insurance requirements are met and your obligation to provide protection against fire, smoke, explosion, water discharge and sewer backup is released.

By simply signing your lease, RiskRelease provides the liability protection that you are required to provide, thus “releasing” you from this burden. This compliance is automatic and makes providing proof of insurance no longer necessary.

If your community partners with RiskRelease and you’ve signed your lease, you are typically already enrolled in coverage that meets your lease requirements.

No—the RiskRelease program coverage satisfies your lease liability requirements. Additional coverage is optional based on your personal preferences.

RiskRelease protects the community against property damage caused by resident negligence for the perils of fire, smoke, explosion, water discharge and sewer backup.

RiskRelease does not cover damage to personal property, theft, burglary, vandalism, bodily injury or personal injury. With enrollment in RiskRelease, residents are releasing their insurance liability requirement and are not a direct beneficiary of coverage. Instead, residents benefit from the “release” of the hassle surrounding renter’s insurance while still meeting their lease requirement.

Proof of Insurance must…

• Be valid and active.
• Provide coverage for fire, smoke, explosion, water discharge, and sewer backup.
• Have a minimum Limit of Liability as required by your community. (example: $100,000)
• List your community name and RiskRelease’s PO Box address on the policy as an “Additional Interest”.
• Correctly identify the leased address as the insured premises.

If you are uploading a document to RiskRelease, you will only need to upload your proof of insurance or the policy declaration page(s) that meets the lease’s required information. Documents must be uploaded as a PDF, PNG, JPG or JPEG and should match the information entered through the upload steps.

You can upload your policy, and we’ll review it to ensure it meets your community’s requirements.

There is a minimum limit of liability insurance that is required for every resident for communities that partner with RiskRelease. This limit is used to pay for property damages that arise from fire, smoke, explosion, water discharge or sewer backup caused by a resident’s negligence. Check with your leasing office for the exact limit requirement in your community.

Yes, an apartment community can specify renter’s insurance as a requirement of the lease agreement. However, residents participating in the RiskRelease program have this liability lease requirement met automatically.

There is no law stating it must be required, however, a lease agreement is a binding contract and is enforceable by law.

Most policies are reviewed within 48 hours.

RiskRelease is designed to fit into existing property management workflows and can integrate with common platforms.

All residents are automatically enrolled in RiskRelease coverage at lease signing, so there’s no gap in protection. Residents who prefer to use their own policy can opt out by submitting compliant proof of insurance or purchasing one directly through our site.

Most policies are reviewed and verified within 48 hours.

No. The platform is designed to reduce manual work and streamline compliance processes.

No, residents can provide their own proof of insurance by following the upload steps by clicking here. Some communities may elect to include the RiskRelease program across all residents in which case a personal renters insurance becomes optional and is no longer required in the lease.

Yes, but all roommates must be listed on the policy and included as insureds. Otherwise, each resident will need their own policy to maintain compliance with the lease agreement. It should be noted that if a unit is with RiskRelease, then entire unit is covered regardless of the number of roommates.

For RiskRelease, apartment community names are NOT their legal entity name written in the lease agreement, but instead they are simply the promoted “street” name that uniquely identifies each community. If you are unsure about your community name, please contact your leasing office.

It is a specified location on the insurance policy where coverage is applicable in the event a claim. Insured Premise can also be referred to as “Location,” “Insured Location,” “Resident Premises,” “Insured Property Address,” and other similar names used by your insurance company. The Insured Premise on your policy should match your address as it appears on your lease agreement.

An Additional Interest, also referred to as an Interested Party, is a third party that is listed on an insurance policy for the purpose of receiving notifications in the event of a notice, modification or cancellation of a policy. For RiskRelease, the Additional Interest should be listed as the name of your apartment and specific PO Box for your community. Check with your leasing office for the specifics regarding your Additional Interest Name and Additional Interest Address required for your community.

Property Managers: Log in to the RiskRelease Property Manager Portal, navigate to the Claims tab, and select “File a Claim.” Complete the required claim information and submit it for review. Our Claims Team will review the claim and contact you with next steps. This is based on the claims filing process outlined by RiskRelease.

Residents: Please contact your property manager or community office to report property damage incidents related to resident negligence. Your property management team will help determine next steps and whether a claim should be submitted.

Claims should be submitted by authorized property management personnel through the RiskRelease Portal. Residents should report incidents to their property manager, who will coordinate the claims process on behalf of the community.

Our Claims Team reviews the claim, provides next steps, coordinates estimate collection when needed, and works with you through settlement and reimbursement.

In the case of an emergency, please call 9-1-1. Otherwise, you should contact a member of your property management team in the event of a claim.

Please direct all other questions here.