Legal Notices

People who sell, solicit or negotiate insurance transactions are generally required to be licensed by every state in which they operate and are known as insurance producers.

All solicitations to apply for insurance and applications for insurance are made through Renters.com.

This website is not a solicitation to sell insurance in any jurisdiction in which we are not licensed.

Producer Compensation Disclosure

Renters.com receives compensation from insurance carriers based on the type and amount of insurance coverage sold and the amount of premium dollars paid.

At your request, we will provide further information about the compensation we expect to receive for your purchase of a specific insurance policy from us.

Procedure for Providing Us an Alternative Address

If you are covered by one of our policies and have an order of protection against a policyholder or other person covered by a Renters.com policy, you may send us a copy of the order of protection and any alternative address, telephone number, or other method of contact that you would like us to use, to:

  1. Renters.com
  2. ATTN: Legal
  3. 2005 SE 192nd. Avenue
  4. Camas, Washington 98607

General Fraud Notice

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.

The specific fraud warnings listed below are applicable in the following states: AL, AK, AZ, AR, CA, CO, DE, DC, FL, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA and WV. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.

ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

ARKANSAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

CALIFORNIA: For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.

RHODE ISLAND: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

General Notice of Insurance Practices and Use of Consumer Reports

In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we may order one or more reports provided by independent consumer reporting agencies.

These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, a credit score or an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score.

All reports are kept strictly confidential. Where scores are used, they are masked and processed automatically in Renters.com’s electronic underwriting algorithm to determine a risk tier used in calculating your premium. The information we obtain will be used only for underwriting purposes. We may access future reports in connection with an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Inquiries related to insurance products  will not affect your credit score, as they are considered a “soft hit”.

Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report. These consumer reporting agency scores do not take into account income, race, gender, religion, marital status, national origin or geographic location.

We will review your credit history when we are legally required to do so, or you may request a review once for every six-month policy term. Any adjustment in premium made pursuant to a change in your credit history will be reflected on your next renewal offer.

Extraordinary Circumstances

If your credit information has been adversely impacted by an extraordinary life circumstance that has occurred within the last 3 years, certain states permit you to request in writing that we consider this when using your credit information. These extraordinary life circumstances include:

CONNECTICUT: catastrophic illness or injury; divorce; the death of a spouse, child or parent; the involuntary loss of employment for more than three consecutive months; identity theft; or total or other loss that makes a home uninhabitable;

DELAWARE: serious illness or injury; involuntary unemployment; divorce; identity theft; or involuntary interruption of alimony or support payments;

INDIANA: divorce; serious illness; job loss; or death of an immediate family member;

IOWA, KANSAS, KENTUCKY & NEW HAMPSHIRE: catastrophic event, as declared by the federal or any state government; serious illness or injury to you or an immediate family member; the death of your spouse, child or parent; divorce or involuntary interruption of legally-owed alimony or support payments; identity theft; temporary loss of employment for a period of three months or more, if it results from involuntary termination; or overseas military deployment; and

NEW MEXICO: an acute or chronic medical condition, illness, injury or disease; divorce; death of a spouse, child or parent; involuntary loss of employment for more than three consecutive months; identity theft; or total or other loss that makes a home uninhabitable.

Fair Housing Act

The Fair Housing Act prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status, and disability.

Americans with Disabilities Act

The Americans with Disabilities Act prohibits discrimination and ensures equal opportunity for persons with disabilities in employment, state and local government services, public accommodations, commercial facilities, and transportation.

Equal Credit Opportunity Act

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

State and Local Laws

State and local laws often provide broader coverage and prohibit discrimination based on additional classes not covered by Federal law.

Consent to Electronic Communications and Signatures

Under the terms of The Electronic Signatures in Global and National Commerce Act of 2000, you are providing consent to electronic transactions, including providing you with insurance policy documents electronically by submission of an application and payment of premium. You will receive all of your insurance policy documents from us electronically, as permitted by law. Insurance policy documents in electronic format will have the same contractual force and effect as insurance policy documents in paper format.