What you'll learn in this article:
- What steps do I need to take when the policy ends or the renter moves out?
- Where can I see my coverage period end date?
- When does the coverage period end?
- How do I notify the insurer if my renter moves out?
What steps do I need to take when the policy ends or the renter moves out?
Within 14 calendar days after repossession of the unit, or within 14 days after the policy ends or is canceled if repossession has not occurred, you must inspect the unit and provide the renter with written documentation of the condition of the unit, including a description of any physical damage caused by the renter or any guest(s), consistent with the lease requirements and local law.
This written documentation is required as part of submitting a claim under Rental Protection for physical damage, and also applies if the coverage period has ended because the renter has vacated the unit, or if the coverage period has ended and the renter continues to occupy the unit.
If you collected your renter’s first month’s rent outside of the Zillow payments tool, you are required to provide documentation regarding this payment.
Any claim must be filed within 120 days following the end of the coverage period.
Where can I see my coverage period end date?
The date your coverage period ends is important because you have 120 days after that date to report a claim.
If the coverage period ends before the expiration date of the lease because you have notified the insurer of a repossession event or the policy has been canceled, you should be able to see the coverage period end date within 24 hours in the policy details section of your Zillow Rental Manager account. See more about the end of the coverage period
When does the coverage period end?
The coverage period for a unit under Rental Protection begins on the effective date of the lease and ends on the expiration date of the lease, unless it ends sooner, under the terms of the policy.
The coverage period ends before the expiration date of the lease once you notify the insurer that one of these scenarios has occurred:
- You’ve regained legal and physical possession of the unit
- The unit is sub-leased or assigned
- The terms of the lease are materially changed (other than by a payment plan)
- The renter has transferred to another unit
The coverage period may also end early if the policy is canceled by either the insured or the insurer. For example, the insurer may cancel the policy with 10 days' written notice for non-payment of premium.
Once a repossession event or cancellation occurs, you also have to take certain steps. See more about this process.
You must file a claim to the insurer within 120 days after the coverage period ends.
How do I notify the insurer if my renter moves out?
You’ll need to notify the insurer if your renter moves out or another repossession event occurs by canceling your policy through the Rental Protection policy details screen in Zillow Rental Manager.
General Disclaimer
Coverage is subject to policy terms, limitations, conditions, and exclusions. Descriptions of coverage are for informational purposes only and do not alter any insurance policy or guarantee any specific price, quote or coverage. For a complete understanding of the coverage available, please review the terms, conditions, definitions, and exclusions of your Rental Protection insurance policy.