Transferring General Liability into the KIS Single Parent Captive is the foundational step that enables all 1st Party programs to operate. The captive assumes the GL risk directly, replacing fronted or admitted carrier arrangements, and generates underwriting income while building long-term reserve value.

Covers resident-caused accidental damage (fire, smoke, explosion, water) and provides HO-4 equivalent policies for personal property and broader liability. Includes ongoing compliance management to ensure tenants meet the minimum insurance requirements in their leases.

Allows residents to pay a monthly fee in lieu of a larger upfront deposit. The captive backs the program to cover end-of-lease damages not paid by the tenant. Pricing is based on credit scores rather than rent amounts.

Protects owners against loss of rental income due to eviction, combined with guaranteed monthly disbursements while the property is leased. Provides financial continuity for owners during tenant non-performance and removal proceedings.

Provides coverage for residents who own one of the 7–9 listed restricted breeds typically excluded from standard landlord liability policies. Fills a critical gap that often prevents residents with certain pets from securing housing.

Incorporated into pet rent, this product supplies properties with dedicated pet damage coverage backed by the captive. Protects owners from repair costs caused by resident pets beyond what standard deposits cover.

Covers the cost of repairing or replacing major home systems and appliances that break down due to normal wear and tear. Offered in standard and platinum tiers to meet varying levels of coverage need across the managed portfolio.

Covers the legal costs associated with removing non-performing tenants, including attorney fees and court costs. Reduces financial exposure for property owners navigating the eviction process.

Provides rental dwelling coverage and liability protection with optional rent loss coverage from a covered peril. Delivered through a Master Policy specifically designed for owners via a national insurance provider — offering broader coverage and competitive rates. KIS earns a commission with no risk of loss.

A mandatory master liability wrap for every vendor regardless of size — eliminating the compliance gap for small vendors and the COI tracking burden for large ones.

The Policy Administration Platform (PAP) is the operational backbone of KIS — managing policy issuance, renewals, compliance tracking, claims intake, and reporting across all programs.

KIS enhances its market position by offering pet health insurance for residents, powered by Spot Pet Insurance. With 50% of PHR residents owning pets, KIS targets 10–12% adoption among pet owners through embedded distribution at lease-signing and pet registration. Residents receive a 10% Strategic Partner Discount and KIS earns a recurring 10% commission.