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. (FirstKey Homes’ property insurance does not cover your personal property; only a renter’s policy provides you with personal protection.)
Residents are required to carry a minimum of $100,000 Property Loss and Personal Liability Insurance coverage. Proof of this coverage is required at lease renewal and/or time of possession.
FirstKey Homes has partnered with Effective Coverage/LeaseTrack for special pricing on qualifying rental insurance policies. Learn more at https://leasetrack.ai/renters/.
Please upload proof of rental insurance coverage at https://secure.leasetrack.ai/app/insurance/proof/basic or email to FirstKeyHomes@EffectiveCoverage.com.
For a policy that’s not through Effective Coverage, 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; the name of the interested party should match what’s listed on your lease agreement (for example, “FirstKey Homes” or “FirstKey Homes of [YOUR STATE].” Please list the following address for FirstKey Homes:
P.O. Box 38060
Albany, NY 12203
If you do not provide proof of coverage, you'll be charged a monthly Rental Insurance Non-Compliance Fee per your lease agreement. The non-compliance fee is NOT a substitution for carrying rental insurance and if your personal property is damaged, you cannot file a claim if you do not have your own rental insurance policy.
Waterbeds will only be allowed with proof of fully paid insurance for the term of the lease.