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Prospect General Insurance Agency

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Program Details -

Tenant Liability Insurance


Product Summary:

Prospect General Insurance Agency has partnered with Response Indemnity Company of California to offer Tenant Legal Liability. Tenant Legal Liability (TLL) offers landlords a simple way to obtain coverage against tenant caused physical damage without having to enforce or track renter's insurance as purchased by their residents.

Available States:

California (CA)


Response Indemnity Company of California

"A- VII" XV Excellent Insurance Company

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Key Features

  • No Tenant Waivers required
  • No based-on occupancy status
  • Covers the perils of fire, smoke, explosions, water, and tenant induced sewer backup
  • Will aid the landlord in regards to the pricing of their package policy
  • Provides limited personal property protection
  • Continuous until cancelled
  • Deductibles as low as $250

Property Coverage

  • $100,000 per occurrence
  • $200,000 general aggregate per unit

Property Deductibles

  • $250 (default), $500, $1,000, $1,500, $2,500 per occurrence

Flexible Payment Plans

  • Paid in full
  • Monthly

Acceptable Occupancies

  • 1-4-unit building
  • Small apartments
  • 5+ apartment buildings


  • Only covers tenant caused accidental physical damage to the occupied unit and other units in insured locations
  • All units in an insured building will be covered under this policy, no "picking and choosing"
  • Premiums will be charged regardless of occupancy
  • No intentional damage

Locations Served : California