VFIntel x HUB program: app mock-up walkthrough

VFIntel · Renter app

Protect your new home

Offers arranged by your broker for unit 402, 123 Main Street

✓ Your details are verified. Quotes below are based on your unit's verified facts, no forms to fill.

Recommended

Carrier One

$23.50 /mo

$30,000 contents · $1M liability · $500 deductible · sewer backup included

Select this offer

Carrier Two

$26.75 /mo

$30,000 contents · $1M liability · $500 deductible

Select this offer

Carrier Three

$28.10 /mo

$30,000 contents · $2M liability · $1,000 deductible

Select this offer

I will arrange my own insurance

You can buy coverage from any insurer, directly or through any broker. Your rent payments here are not affected. If your building requires proof of coverage, you can upload it after.

Insurance is sold by a licensed broker or insurer; VFIntel provides the technology and payment platform. Quotes shown are illustrative placeholders. You are free to choose any insurer.

Up to three offers, and the opt-out is on the same screen.

Choice, in writing.

The renter sees a maximum of roughly three quotes, ordered by the program's placement agreements, with the first position carrying the Recommended badge. Every offer is a licensed quote on the same verified facts, so the comparison is honest.

The opt-out is not buried in settings or a policy document. It sits under the offers, in plain language, with the assurance that rent payments continue unchanged. This is the screen that answers the regulator question every insurer and broker will ask.

Why it matters to HUB: the program can demonstrate, on the decision screen itself, that no renter is locked in to a single insurer or locked out of the direct market.

VFIntel · Renter app

Confirm your application

Carrier One · $23.50/mo · everything below is prefilled

About you ✓ from your verified identity

Full legal nameJordan A. Renter

Date of birth14 Mar 1996

Email and phonej.renter@mail.com · 416 555 0142

Co-applicantNone

Your unit ✓ from your property manager

Address123 Main St, Unit 402, Toronto ON

BuildingHigh-rise condo · 2011 · concrete

Size685 sq ft

ProtectionSprinklers · monitored alarm

Lease1 Aug 2026 to 31 Jul 2027

Occupants2 · no business use

Your choices you decide these

Contents coverage

$20,000$30,000$50,000

Liability

$1M$2M

Deductible

$250$500$1,000

Add-ons

Sewer backupOverland waterEarthquake

Insurance history you declare this

Claims in past 5 yearsNone

Prior insurerFirst policy

Continue to payment

Prefilled fields come from your verified identity and your property manager's unit record, shared with your consent. Review and correct anything before you continue.

The application is a confirmation, not a form.

Two minutes, not twenty.

Everything a Canadian tenant application normally asks is here, but almost none of it is typed. Identity fields come from the verified identity layer. Unit facts come from the property manager's record, with the renter's consent. What remains is the genuine decision set: limits, deductible, add-ons, and the history declaration.

For the carrier this is the underwriting win: quotes are priced on verified facts, not self-reported ones, and the submission arrives complete.

Field inventory: the full list of application fields and who supplies each one is in the explainer appendix, pending validation against current carrier applications.

VFIntel · Renter app

Your monthly payment

Unit 402, 123 Main Street

Due August 1, 2026

$1,873.50

Paid automatically from your linked bank account

Rent$1,850.00

Tenant insurance · Carrier One$23.50

Total$1,873.50

Bank account · no card fees. Paying from your bank account is the cheapest path for everyone. Prefer a credit card? You can switch, card fees apply to you.

Pay rent and insurance separately Change payment method

Jul 1 · rent + insurancePaid ✓

Jun 1 · rent + insurancePaid ✓

May 1 · rentPaid ✓

Funds settle into a program trust account and are distributed to your property manager and insurer. VFIntel administers the trust and cannot spend program funds.

One payment funds rent and premium; the renter can always unbundle.

Bundled by default, never by force.

The wallet shows the single payment with its split, the bank-account default with no card fees, and the switch to card or to separate payments. Every path settles through the same trust.

The payment history doubles as the stability signal: on-time bundled payments are what feed the payment-behavior signal carriers receive as a derived, consented output.

Why it matters to HUB: premium collection rides the rent rail, which is why lapse rates fall; the renter sees one bill they already prioritize.

VFIntel · Property manager console

Maplewood Property Group · signed in

Unit record · 123 Main St, Unit 402

Building typeHigh-rise condo

Year built · construction2011 · concrete

Storeys24

Square footage685

Protective devicesSprinklers · monitored alarm · smoke/CO

Building requirement$1M liability minimum

Lease · synced from PMS

TenantJordan A. Renter ✓ verified

Term1 Aug 2026 to 31 Jul 2027

Monthly rent$1,850.00

Occupants2

Rent statusCurrent · autopay (bank)

Proof of coverageOn file ✓

Read-only for insurance purposes · every access is logged · data minimized to the fields shown

The property manager supplies the record it already maintains, and sees nothing else.

The unit record is the raw material.

This is the interface Joan asked about. The PMS sync carries the unit facts a broker needs to select the correct quote. The consent line shows exactly what was shared and when.

The boundary is explicit on the screen: no quotes, premiums, or carrier names ever appear on the PM side, only proof of coverage where the lease requires it.

Why it matters to HUB: verified unit facts are what make the three quotes on screen one accurate, and the PMC needs no insurance licence to supply them.

VFIntel · Broker monitoring

Read-only · scoped to your book · all access logged

1,284

Active policies

96.8%

Premiums current

41

Renewals in 30 days

3

Lapse-risk flags

Policy	Carrier	Status	Premium	Paid	Signal
PH-88231 · Toronto ON	Carrier One	Active	$23.50/mo	Jul 1 ✓	Stable
PH-88198 · Regina SK	Carrier One	Active	$19.25/mo	Jul 1 ✓	Stable
PH-87914 · Ottawa ON	Carrier Two	Renewal due	$26.75/mo	Jul 1 ✓	Stable
PH-87621 · Toronto ON	Carrier One	Active	$24.10/mo	Jul 3 ✓	Lapse risk ▲

Names and contact details are shown only where the policy sits in your book. Payment behavior appears as a derived signal; underlying banking and card data never leaves the VFIntel layer.

HUB watches its whole book in one place, without holding the data.

The conclusion, not the records.

The monitoring view is read-only and scoped to HUB's book. Premium status, renewal pipeline, and lapse-risk flags arrive as derived signals, so HUB gets the early-warning value without touching protected banking or payment records.

A lapse-risk flag on this screen is actionable weeks before a missed premium would surface in a carrier's back office.

Two ways to deliver this: HUB may already run a combined reporting dashboard across its book, which is what a major MGA should be doing. Where that exists, VFIntel feeds it through the same scoped, read-only interface. Where it does not, the view illustrated here ships ready-made.

The program in five screens

Up to three offers, and the opt-out is on the same screen.

The application is a confirmation, not a form.

One payment funds rent and premium; the renter can always unbundle.

Unit record · 123 Main St, Unit 402

Lease · synced from PMS

The property manager supplies the record it already maintains, and sees nothing else.

HUB watches its whole book in one place, without holding the data.