The cost is usually $8-$20 a month. Insurance can be purchased in advance to be effective on your move in date.

1. Generally, except under special circumstances, the OWNER IS NOT legally responsible for the loss of the resident’s personal property, possessions or personal liability and OWNER’S INSURANCE WILL NOT COVER such losses or damages.

2. If damages or injury to owner’s property is caused by resident, resident’s guest(s) or child (children), the owner’s insurance company            may have the right to attempt to recover from the resident(s) payments made under owner’s policy.

3: Following is a non-inclusive list of examples of possible costly misfortunes that, except for special circumstances,  you could be held              legally responsible for

A. Your babysitter injures herself in your unit.

B. Your defective electrical extension cord starts a fire which causes damage to the building and your personal property and or the personal property of others.

C. A friend or your handyman is injured while helping you slide out your refrigerator so you can clean behind it.

D. While fixing your television set, a handyman hired by you is injured when he slips on the floor you have just waxed.

E. Your locked car is broken into and your personal property and that of a friend is stolen.

F. A burglar breaks your front door lock and steals your valuables or personal property.

4. We require all ensure tenants have renters insurance. If this applies to the property you wish to rent we will let you know and you will need to follow the guidelines at rentersinsurance.sdcpm.com. 

Most insurance companies do not charge extra to add the property owner and SDCPM as additionally insured or additional interest.