One base policy.
Add exactly what your lease needs.
Tenant Legal Liability replaces the old HO4 model as the base of VAB's Renters bundle — a master-policy program with no per-renter underwriting. Layer on a Security Deposit Alternative, a Pet Damage Waiver, or the Renters Kit, or take standalone VAB Renters Insurance on the same program instead.
Subject to underwriting & state availability. SDA requires Tenant Legal Liability.
How the bundle stacks
What's included.
Tenant Legal Liability is the base — everything else layers on top of it. Each card links to the real, live product detail page.
Tenant Legal Liability
Renter liability coverage that replaces the old HO4 model.
- ✓Tenant legal liability for damage to the rented unit
- ✓Sold as a master-policy program, so there is no per-renter liability underwriting
- ✓Can stand alone, but it is the foundation the rest of the Renters bundle builds on
The base of the Renters bundle. Security Deposit Alternative builds directly on top of it.
See detailsSecurity Deposit Alternative
An alternative to a large cash security deposit.
- ✓Replaces or reduces a traditional cash security deposit
- ✓Tiered A–F by risk
- ✓Many renters split it 50/50 — half cash, half SDA
Requires Tenant Legal Liability first — it cannot be bought on its own.
See detailsPet Damage Waiver
Pet-related coverage built to replace junk pet fees.
- ✓Up to $1,500 for pet property damage
- ✓Up to $10,000 for bodily injury (bites)
- ✓No underwriting — it is a liability waiver, not a screened policy
An add-on to the Renters bundle.
See detailsRenters Kit
Renter benefits bundle — credit building, concierge, and ID-theft cover.
- ✓Rent / credit reporting
- ✓Utility concierge
- ✓$1,000,000 identity-theft coverage provided through CLC
An add-on to the Renters bundle.
See detailsPrefer one policy instead?
The standalone alternative.
VAB Renters Insurance
Still being wiredRenters who want a standalone renters policy under the VAB brand.
- ✓Standalone renters coverage
- ✓Runs on the same program as Tenant Legal Liability
Written on YRIG paper through VAB's own reinsurance cell. Still being wired — guidelines are being finalized.
See detailsHow it works
Stacked, not bolted on.
Start with the base, layer on what your lease and your pet need.
TLL is the base of the bundle — a master-policy program on YRIG paper, so there's no per-renter liability underwriting. It can also stand alone.
SDA replaces or reduces a cash deposit and is tiered A–F by risk. It requires TLL first — it can't be bought on its own.
Pet Damage Waiver covers up to $1,500 in pet property damage and $10,000 in bite liability, no underwriting. Renters Kit adds credit reporting, utility concierge, and $1M in ID-theft coverage via CLC for $8/month.
Prefer one standalone policy over the stacked bundle? VAB Renters Insurance runs on the same YRIG program — it's still being wired while guidelines are finalized.
Who's behind the paper
Real carrier paper.
Tenant Legal Liability, the Security Deposit Alternative, the Pet Damage Waiver, and the Renters Kit benefits are all written on YRIG paper — the carrier behind VAB's residential program. The Renters Kit's identity-theft layer is provided by CLC. VAB Renters Insurance runs on that same YRIG program through VAB's own reinsurance cell.
FAQ
Bundle questions answered honestly.
Straight answers on how the bundle stacks, what's an add-on, and what still needs to be asked for a quote.
Tenant Legal Liability (TLL) is the base of the Renters bundle — coverage for tenant legal liability for damage to the rented unit, sold as a master-policy program so there's no per-renter underwriting. It can stand alone, but it's also the foundation the rest of the bundle (SDA, Pet Damage Waiver, Renters Kit) builds on.
No — SDA requires Tenant Legal Liability first; it cannot be bought on its own. Once you have TLL, SDA replaces or reduces a traditional cash security deposit and is tiered A–F by risk. Many renters split it 50/50 — half cash, half SDA.
Up to $1,500 for pet property damage and up to $10,000 for bodily injury (bites). It's a liability waiver, not a screened policy, so there's no underwriting — it's built to work in states like CA and CO that restrict blanket pet fees.
Rent and credit reporting, a utility concierge, and $1,000,000 of identity-theft coverage provided through CLC. The benefits sit on YRIG paper; it's priced at $8/month and live.
The bundle stacks Tenant Legal Liability with optional add-ons (SDA, Pet Damage Waiver, Renters Kit) on the residential program. VAB Renters Insurance is a separate, standalone renters policy that runs on that same YRIG program through VAB's own reinsurance cell — an alternative to stacking, not an add-on. It's still being wired while guidelines are finalized, so it isn't bindable yet.
Tenant Legal Liability, the Security Deposit Alternative, the Pet Damage Waiver, and the Renters Kit benefits are all written on YRIG paper — the carrier behind VAB's residential program. The Renters Kit's identity-theft layer is provided by CLC. VAB Renters Insurance is written on the same YRIG paper through VAB's own reinsurance cell.
Start with the base.
Add what your lease needs.
Tenant Legal Liability is wired and live today. Layer on the Security Deposit Alternative, Pet Damage Waiver, or Renters Kit — or ask about standalone VAB Renters Insurance.
Insurance products subject to underwriting approval and state availability. SDA requires Tenant Legal Liability first. VAB Renters Insurance is still being wired — not yet bindable. Not all products available in all states.