The program covers the property owner in the event of a loss caused by a resident's unintentional actions.

The policy safeguards the property against damages caused by residents, which include fire, water, and smoke damage, among others.

The property owner or management company pays for the Blue Harbor program. However, they usually charge residents an extra amenity fee, which covers the cost and also creates an additional revenue opportunity.

Residents are liable for the damage they cause. With a damage waiver program, the Resident is relieved of liability if they cause damage covered by the Damage Waiver program.

While most property policies cover resident-caused damages, they typically have a per-incident deductible greater than the average claim value of resident-caused damage. With Blue Harbor, you’re covered up to $100,000.

The Blue Harbor Damage Waiver program is an alternative to the renters insurance that landlords typically require to protect their properties. While the program doesn’t cover the resident or their personal belongings, the damage waiver releases the resident’s liability.
If residents want to protect their personal property, they can also purchase insurance through Blue Harbor’s personal property insurance program.

On the contrary, it actually makes administrative work easier. Blue Harbor seamlessly integrates with various Property Management software, including YARDI and Entrata. The program ensures compliance from all residents, alleviating the need for any additional work tracking resident policies from the on-site staff.