Renters Insurance Requirements


FirstKey Homes insures the house itself, but what about all of your belongings? That’s where rental insurance comes in. We require all residents to have a rental insurance policy in place to cover personal items within the home.

Residents are required to carry a minimum of $100,000 Property Loss and Personal Liability Insurance coverage. In addition, we ask that you identify FirstKey Homes as a “Party of Interest” or “Interested Party” (or similar language as may be available) on the renter’s liability insurance policy; see details for your state of residence below. Proof of this coverage is required at lease renewal and/or time of possession. Waterbeds will only be allowed with proof of fully paid insurance for the term of the lease.

FirstKey Homes has partnered with Effective Coverage for special pricing on qualifying rental insurance policies. Learn more at

You can upload proof of coverage at or email to

FirstKey Homes, LLC or the appropriate designation listed below (based on your state of residence) must be named as a “Party of Interest” or “Interested Party” on the policy:


Arizona: FirstKey Homes of Arizona, LLC

Florida: FirstKey Homes of Florida, LLC

Georgia: FirstKey Homes of Georgia, LLC

Illinois: FirstKey Homes of Illinois, LLC

Indiana: FirstKey Homes of Indiana, LLC

Minnesota: FirstKey Homes of Minnesota, LLC

Missouri: FirstKey Homes of Missouri, LLC

Nevada: FirstKey Homes of Nevada, LLC

North Carolina: FirstKey Homes of North Carolina, LLC

Ohio: FirstKey Homes of Ohio, LLC

South Carolina: FirstKey Homes of South Carolina, LLC

Tennessee: FirstKey Homes of Tennessee, LLC

Texas: FirstKey Homes of Texas, LLC

The following address applies to all of the above:

P.O. Box 3708

Albany, NY 12203


If you do not provide proof of coverage, you’ll be charged a $9.95 monthly noncompliance fee. The fee is deemed as an additional rent cost and does not provide coverage.