(916) 596-1665
Serving Sacramento County Since 1998
(916) 596-1665Owner Protection
$100,000 Tenant Liability Insurance Requirement for Full-Service Sacramento Rentals
When Alpha manages your Sacramento rental under our full-service plan, your tenant is required to carry at least $100,000 in liability insurance on the property. There is no extra fee to you, and the requirement applies from the day the tenant moves in.
Required on every property under Alpha's full-service management
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Tenant carries $100,000 in liability insurance
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No added cost to the owner
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Alpha tracks coverage and handles a lapsed policy
$100,000
Tenant liability coverage required on every full-service property
$0
Cost added to your management fee
25+
Years placing tenants in Sacramento
<1%
Eviction rate across our entire portfolio
Deposit vs. Insurance
What Tenant Liability Insurance Covers and What It Does Not
A security deposit handles routine tenant damage, such as holes in the walls or carpet stains. It was never designed for liability events such as fire or flood. Alpha's $100,000 tenant liability insurance requirement covers those events on properties under Alpha's full-service management. It is not part of our Leasing Only Service.
Routine tenant damage
Handled through the security deposit
Liability events such as fire or flood
Covered by the tenant's $100,000 liability policy
Your building and structure
Covered by your landlord insurance
The security deposit, the tenant's liability policy, and your landlord insurance work together. None of them replaces the others.
The Process
How the Tenant Liability Insurance Requirement Works
Coverage Starts at Move-In
The requirement begins when a tenant signs the lease on a property under Alpha's full-service management. There is no waiting period and nothing extra for you to sign.
Required on Every Full-Service Property
Every tenant living in a property under Alpha's full-service management must carry the policy, whether the home is a single-family residence, duplex, fourplex, or condo.
Alpha Handles the Documentation
We document the move-in condition and manage the move-out walkthrough. The tenant carries the liability policy. If it lapses, the tenant has 10 days to place their own policy. If they do not, a policy is force-placed at about $20 per month and removed the next month once the tenant shows proof of their own coverage.
Liability Insurance, Not Deposit Coverage
This is a tenant liability insurance requirement. It covers liability events such as fire, flood etc. It does not pay amounts above the security deposit.
From The Founder
Accountability Since 1998
Sally LaBate founded Alpha in 1998 on one idea: accountability. The 1-year tenant guarantee, the $100,000 tenant liability requirement, and the typical placement timeline of about *10 days for a rent-ready property all reflect it. These standards apply only to properties under Alpha's full-service management, not to our Leasing Only Service.
"I truly care about my clients and do what is necessary for each client, large or small."
Sally LaBate, Founder
FAQs
Common Questions About Tenant Liability Insurance
Protect Your Sacramento Rental Property
Request a free rental analysis to learn your property's rental potential and how the $100,000 tenant liability insurance requirement works under our full-service management, or call Sally at (916) 596-1665.
- What does the $100,000 tenant liability insurance requirement include?
- Who pays for the tenant liability insurance?
- Does this replace my landlord insurance?
- What is not included?
- How are tenant damage and liability claims handled?
- Is the security deposit still required?
- Does the liability insurance requirement continue if a tenant renews their lease?
Every tenant in a property managed by Alpha is required to carry at least $100,000 in tenant liability insurance. It covers qualifying liability events such as fire or flood. Routine tenant-caused damage is handled through the security deposit, not this insurance.
The tenant carries the policy, at no cost to you as the owner. If a tenant lets the policy lapse, a policy is force-placed at about $20 per month, billed to the tenant, and removed once they show proof of their own coverage.
No. Your landlord insurance covers your building and structural risk. The tenant's required $100,000 liability insurance covers liability events such as fire or flood. Routine tenant-caused damage is handled through the security deposit. The two work together, not in place of each other.
We document move-in condition with photos and conduct a move-out walkthrough. Routine tenant damage is handled through the security deposit. Liability events are handled through the tenant's required liability insurance.
Yes. The security deposit still applies and handles routine tenant damage. The tenant's $100,000 liability insurance is separate and covers liability events, not amounts above the deposit.
