Embedded renters insurance.
Coverage that attaches at the moment it is legally required, collects on the same rail as rent, and travels with the renter to the next lease.
Why this is hard today.
About 43% of US renters carry no insurance at all, per the Insurance Information Institute, 2024, and the exposure lands on the property when something goes wrong. Where coverage is required, it is commonly bought once and then allowed to lapse, discovered only at a loss.
Traditional distribution reaches renters weeks after move-in, past peak receptivity, and converts at 2 to 5%. Tracking whether hundreds of units still hold active coverage becomes its own administrative burden.
How VFIntel does it.
VFIntel places coverage at lease signing, the moment the renter is legally required to hold it. Embedded placement at that moment converts at about 58% according to embedded-insurance industry research, against 2 to 5% for cold and broker-led outbound.
The premium then rides the same ACH rail as the rent. If rent is being paid, the policy is active, and a lapse triggers a real-time alert rather than a quarterly compliance sweep. Processing a $300 annual premium costs about $1 on that rail, against roughly $9 to $10 by credit card.
VFIntel is the distribution surface. Regulated carrier partners underwrite the policies and hold the risk, reached through a single policy administration integration rather than a fragmented mix of broker relationships.
What you get.
One-click coverage for renters at signing, inside the flow they are already completing.
Continuous verification of coverage on the rent rail, so a lapse is caught immediately instead of discovered at a claim.
Net-new distribution for carrier partners at the highest-receptivity moment in the category.
A policy that travels with the renter's Wallet rather than ending with the tenancy, so renewal is not lost at every move.
This is the insurance rail.
VFIntel runs six regulated rails on one integration: payments, insurance, credit, identity, banking, and lease compliance. This page describes the insurance rail. Each rail stands on its own, so a partner can start here and add others later, and the record gets stronger as more of them run on the same rent payment.
Common questions, direct answers.
No. VFIntel is the embedded distribution surface. Regulated carrier partners underwrite and hold the risk. VFIntel delivers the policy at the lease moment and monitors coverage on the same rail that carries the rent.
Because the premium rides the same ACH rail as rent, coverage status is known continuously rather than checked periodically. A lapse produces a real-time alert, with no separate compliance tracking across hundreds of units.
It travels with the renter's Wallet rather than ending with the tenancy. That is what turns a one-time placement into a retained book and removes the re-acquisition cost paid at every move in property-attached models.
Fifteen minutes. One direct answer.
Tell us which side of the lease you sit on and bring your sharpest question. Every conversation starts from your operation, not our roadmap.