Have us upload for you

It's free to update & upload in AppFolio but if you need help, submit the Request Form below to have our processor manually enter the info for all tenants listed on the policy. A $25 Processing Fee will be billed to your account.

Renters Insurance Upload

How to upload proof of insurance

Update the fields:

SmartScan will attempt to gather info from your Proof of Insurance but this new AI technology so it's not perfect yet. To avoid problems, we recommend you manually update the fields in addition to uploading

• Insurance Company Name

• Policy Number

• Policy Start Date

• Policy Expiration Date

Upload document:

Insurance documents must be uploaded in appfolio under the insurance tab.

• Click Update Insurance Policy

• Click Add Proof of Insurance

• Click Submit

Have other tenants do the same:

Then tell everyone else who signed the lease to upload Proof of Insurance.

Lease Requirement

Each Tenant who signed the lease must upload Proof of Insurance.

No Insurance Fee

• The system adds a $19 No Insurance Fee at midnight on the date the policy expires.

• The fee bills monthly until each tenant individually uploads Proof of Insurance.

• The fee is non-refundable.

The No Insurance Fee does not provide insurance coverage for the tenant liability and personal property; and further does not waive the Manager, Landlord, or their insurance carrier's right to recover damages from the tenant that would have otherwise been afforded by the Tenant's Renters Insurance policy, had the Tenant carried insurance as required by this lease agreement.

Proof of Insurance

DOCUMENT TYPE:

• Must be a Policy Declaration Page or a Certificate of Insurance.

• We do not accept receipts, binders, or any other documents.

NAME:

• The Named Insured on the policy must match your name in AppFolio.

• Jon is not the same as Jonathan to AI (Artificial Intelligence).

• Call your insurance agent to update your policy, if needed.

• Submit a Request Form to update your name in AppFolio, if needed.

ADDRESS:

• Property address must match the address on your lease agreement.

• Apartment #'s are not required.

TERM:

• The coverage term must be current.

• The policy term cannot have already expired.

LIABILITY:

• Limit of liability must be $100,000 or greater.

POLICY NUMBER:

• Must include a policy number.

• The policy number may change during your insurance renewal.

Smart Scan

Humans will not look at your Proof of Insurance.

AppFolio AI (Artificial Intelligence) will scan the document.

The updates are only applied to the individual who uploaded insurance.

AppFolio will email the results to the individual who uploaded insurance.

Smart Scan Results = VALID

EXAMPLE: This is an example of the text you'll get after you upload a valid insurance policy. IMPORTANT: Each tenant must upload their own proof. If you share a policy, both tenants can upload the same document but each must upload. Receipt of a text stating that insurance is "Valid" is only confirmation that the lease requirement was satisfied for one tenant. The No Insurance Fee will continue to bill monthly until all tenants upload proof of insurance with their name as "Named Insured"

New Valid Insurance Policy Submitted:

Details

Unit: XXXXXXXXXXXXXX

Insured: XXXXXXXXXXXXXXXXXX

Smart Scan: Valid

Insurance Company Name: USAA

Policy Number: 000000000000000000

Policy Start Date: 06/01/2023

Policy Expiration Date: 06/01/2024

Proof of Insurance Uploaded (saved in attachments):

USAAProofOfRentersInsurance.pdf

Smart Scan Results = INVALID

EXAMPLE: The below is an example of the text you'll get if you upload invalid proof of renters insurance. Remember that the appfolio AI scans the document and the system texts you the response. The "Invalid Reason:" at the bottom will tell you what your document is missing. For example, if you upload something other than a Policy Declaration page or Certificate of Insurance, all errors will be displayed. In the example below, the tenant uploaded a Kroger receipt. Read the details and try again.

New Invalid Insurance Policy Submitted:

Details

Unit: XXXXXXXXXXXXXXXXXXXXX

Insured: XXXXXXXXXXXXXXXXXXXXX

Smart Scan: Invalid

Document Uploaded (saved in attachments):

• 16988927939874744890623107328075.jpg

Invalid Reason:

• liability coverage not found

• liability coverage amount of at least $100,000 not found

• policy number not found

• policy dates not found

• no tenant names found

Who must upload

Each person who signed the lease must upload Proof of Insurance.

If more than one tenant is listed as a Named Insured on the document, each person must upload that same document.

Dependents are not required to upload.

FAQ

How do I upload insurance for someone else on the lease?

When the AI scans the document, it compares the name on the document against the name of the person who uploaded the document. Therefore, you cannot upload insurance for anyone but yourself.

• So, you can't upload a document for anyone else on the lease.

• Each individual must sign into appfolio using the email they used when they signed their last and upload their own insurance in appfolio.

Can I login for my spouse/roommate?

We're pretty sure most tenants designate household administrative duties to one person in the house. To do so, you would just have to share your login info with your roommate/spouse. Of course, we do not recommend this becase they could sign a lease for you! Your call.