Frequently Asked Questions

If you want to keep your cash and make moving in more affordable, then definitely!

Property owners and managers determine the price for their tenants. In some markets, they might charge more to manage the service.

The cost is determined by your property management company, and varies by property. When you move out, your policy ends.

‍No. Deposit Alternative is an insurance policy—you pay small monthly premiums. So instead of putting up a bunch of cash when you move in, you end up paying a lot less over the course of your lease.

‍Because you pay rent to your landlord or their property management company, Deposit Alternative is only available when they’re involved and offer Deposit Alternative.

Approval time varies depending on documents submitted and property response time. However, once you submit an application, you will hear back from us regarding the next steps within 30 minutes during normal business hours.Generally, most of our applicants are ready to move in the same day!

We charge a one-time, upfront fee for the term of the lease to co-sign your lease. Monthly fees vary depending on the property terms and the length of the lease. We will be able to provide an exact quote once a completed application is fully reviewed.

A guarantor is a third-party, typically a parent or co-signer, who is obligated by law to fulfill your rent obligations in the event of rent default. Homebody Guaranty qualifies your lease in place of a traditional guarantor via a guarantor waiver.

Anyone 18 years or older with the right to study or work in the U.S. can apply. Student applicants and international students must be enrolled in at least 12 credit hours or more.

Landlords often set strict qualification standards that are difficult for tenants like students, international professionals, and those with bad or limited credit history to meet. Homebody Guaranty fills in for a personal guarantor or parent co-signer, allowing you to get approved for a lease where you otherwise would not qualify.

To earn points, you’ll need to live at a property that participates in Homebody Rewards. If your community is enrolled, you’re automatically eligible to start earning points.

Flight bookings must be made at least 2 days in advance.

The time needed to process a transfer varies for each partner. Some partners offer instant transfers, while others may take several days. The estimated transfer time is shown when you select a specific partner on the various redemption page. Please note that in some exceptional cases, transfers may take up to 15 business days to process if your chosen partner needs to conduct a more detailed review of your request. Please note that points cannot be cancelled, reversed, refunded or exchanged regardless of the transfer status once transfer has been initiated?

‍Points do not expire. However, if your account is closed due to inactivity or closed for another reason (like fraud), you’ll forfeit your unredeemed points.

The Homebody Travel Portal can be found in the Rewards tab of the Homebody app.

When your property participates in Homebody Rewards, you’ll get an email with an invitation to join. Simply log into the Homebody app to accept the terms and conditions.

Each community chooses which rewards opportunities are available, so options can vary by property. Some of the most popular ways residents earn points include:Paying rent on timeSigning a new leaseRenewing your lease earlySetting up automatic rent paymentsEven celebrating your birthdayBe sure to check the Homebody app to see how you can earn today.

‍In the Homebody app, tap “Profile” from the bottom menu. From there, you can edit your phone number and email address.

Within the Homebody Travel Portal, you will be able to view your travel redemption history under “My Rewards” and for successful bookings, you can find your travel details under “View trip details”.

‍Earning and redeeming points keeps your account active. If after 24 months you have not earned or redeemed at least one point, your account will be closed for inactivity.

You will receive an email status update regarding your transfer. Initially, your transfer status will show as ‘Pending’, which means your transfer is being processed with your selected partner. Once the transfer status is shown as ‘Successful’, your transferred points have been deposited in your partner loyalty program account and are ready for you to use. In case the transfer status is shown as ‘Unsuccessful’, you may have entered an incorrect partner membership number or your name does not match the partner loyalty program account. Please update your details and re-attempt your transfer. Should you encounter repeated rejections, please inquire with Ascenda’s rewards service team at rewardscentral@support.ascenda.com or by calling 1 (877) 620-3347.

You can easily transfer your points online via the Rewards Portal. Simply navigate to any of the available products from the home page and select your preferred partner. Please note that transfers can only be made online, and cannot be requested over the phone.

This will vary based on the airline, once they are within the redemption journey each airline will outline transfer time.

‍You’ll get your points within one day. For example: If your property has on time rent payments enabled to earn points, if pay your rent on the 1st, by the 2nd you can see your points in the Homebody app!

It depends! Points can be used for gift cards, prepaid debit cards, travel, and rent. With multiple redemption options (and point transfers to travel partners as well) the value of a point can vary depending on how you choose to redeem it. The good news is that you have plenty of flexible options to choose from when using your points.

Ascenda’s rewards service team can be contacted by emailing rewardscentral@support.ascenda.com or by calling 1 (877) 620-3347.

‍Yes! And if you move to another property that participates in Homebody Rewards, you can redeem your points on rent once that option becomes available early next year.

Nope!

In the Homebody Travel Portal, you can redeem points for flights, hotels, rental cars, and experiences, all within the app. You can also transfer points to your favorite frequent traveler programs.

There are already lots of ways to redeem your points. You can use points for gift cards from hundreds of popular retailers, prepaid debit cards you can spend almost anywhere Visa® is accepted, travel like flights, hotels, car rentals, and experiences, and even rent credits.We’re continuing to add new redemption options, so you’ll have even more ways to use your points over time.

‍You’ll keep all your points and your account will stay open for up to 24 months following your most recent point accrual or redemption. If after 24 months you have not earned or redeemed at least one point, your account will be closed for inactivity, and any unused points will be forfeited.

‍Homebody Rewards is a loyalty program that rewards renters for things like paying rent on time, signing a lease, setting up autopay for rent, and more.

‍You can choose from hundreds of retailers. See them all in the Homebody app.

You can view the list of partners and their respective conversion rates via the Rewards Portal.

Most questions should be answered right here in our FAQs. If you need to talk to a person, please contact a Homebody Rewards specialist by emailing rewards@homebody.com or by calling 1 (877) 577-0850, Mon–Sat, 8am–8pm ET.

For ID theft policies (containing only numbers and 12 digits long), please call (866) 434-3572.

It’s when someone gets access to your identifying information for a criminal purpose, usually financial fraud. Pretty common example: Someone gets access to your credit card number or your login info, and then uses that to make unauthorized purchases.

Most people are careful about sharing their private information (SSN, bank account number, etc.). Unfortunately, data breaches happen at reputable companies way too often. ID Theft Protection is an extra layer of security when a company doesn’t protect your data the way it’s supposed to.

Not with recreational vehicle insurance. Motorcycle insurance requires a separate policy.Call one of our agents at (866) 234-8829 to get a quote!

‍Absolutely. Your car insurance (and any other Homebody coverage) can move with you. No need to start over.

No.

‍Life insurance is great if you have people depending on you financially. But if you’re younger and don’t have any dependents or large debts, you’re probably ok without a policy.

‍We don’t bundle in the traditional sense, but we do find the best prices across top-rated carriers. In many cases, that means lower rates than a bundle elsewhere.‍

‍Yes. Car insurance is separate from renters insurance. If you own or lease a car, you're legally required to have coverage even if you live in an apartment.

Like most other insurance (pet, homeowners, dental), renters insurance isn’t required by law. But in a disaster you definitely want to have a policy, and many rental properties may require it. That way, the resident and the rental unit are covered financially.

‍Drive safely, keep your credit in good shape, and shop smart. Homebody helps you find competitive rates without the work of comparison shopping.

Homebody pet insurance is powered by Prudent Pet. Filing a claim is simple and can be done online through your pet portal. Just follow these steps:- Log in to your Prudent Pet pet portal- Select File a Claim and upload your vet invoice and medical records- Submit your claim and track its status onlineMost claims are reviewed within about 10 to 15 business days. Once approved, you’ll receive your reimbursement by direct deposit or check, depending on your preference.

‍1. For policy numbers that start with RTH, call Markel American Insurance at (800) 236-3113.2. For policy numbers that start with PRH, call QBE at (844) 723-2524.

Call (877) 577-0850 or click here to get an online quote in minutes .

‍You can set up your policy in 3-5 minutes. Call (877) 577-0850 or click “Get a Quote” on our website. In order to give you an accurate quote you will need to have your address, the name of your rental community, when you will be moving, and the names of all the adults living at that address. For all other policy types, call (877) 577-0850.

‍Your rate is based on things like your age, driving record, location, car type, and how much you drive. Different carriers weigh these differently that’s why we compare quotes for you.

‍Often, yes. If you don’t drive much, you may qualify for a low-mileage discount or usage-based policy. We’ll help you find one.

By law, no. BUT if you have a mortgage, your lender will require it. That way if a disaster happens, you and your lender are financially covered.

Yes, as long as it’s a covered type of loss.

The type of RV, how you use it, how often you use it, where you live, your driving history, the deductible you select, and your driving record.

It all depends on the level of risk you want to take on. The higher your deductible, the lower your monthly premiums (and vice versa).

‍Car insurance helps pay for damage or injuries after a car accident. Depending on your policy, itcan cover other drivers, your car, medical bills, or unexpected events like theft or weather damage.

Age, breed, location, insurance type, animal type (cat or dog).

‍Renters insurance is an insurance policy that provides monetary protection for your personal belongings against outside elements, i.e. fire, smoke, theft, water damage and explosion.Coverage for your personal belongings starts at $10,000 ($5,000 available in some states) with a maximum of $40,000 in coverage.

‍Rings, earrings, chains, bracelets, watches, pendants, loose stones. You can cover all fine jewelry.

Our licensed agents will be the most helpful for this sort of thing. They can answer your questions and give you a quote based on you and your home’s needs. (866)-234-8829‍

Just cats and dogs.

‍Motorhomes, travel trailers, and ATVs.

Liability: Covers other people’s injuries or damage if you cause an accident.Collision: Pays to repair or replace your car after an accident.Comprehensive: Covers non-accident stuff like theft, fire, or falling tree branches.

‍Every state has its own rules, but at the very least, you’ll need liability coverage. Homebody 
helps you stay compliant without overpaying.

‍Billing is based on the policy’s start date and will bill 3-15 days before the start date, depending on the type of policy and carrier. Occasionally we must perform a mid-billing cycle catch-up payment that won’t occur during this time period. The only way to change your billing date is to cancel your policy, sign up for a new one, and change the start date.

‍It really depends on your situation. Nine times out of 10, term life will be the right choice. But if you have more money to spend on monthly premiums and want coverage that isn’t dependent on term limits, whole life might be for you.‍

If you regularly use an ATV, travel trailer, motorhome, or other RV, insurance provides peace of mind. You safeguard your assets so you can adventure without worry.

No. Homebody’s jewelry insurance is a repair or replace policy. If you have questions about what you should set your replacement value at, call one of our agents at (866)-234-8829.

‍You can call (877) 577-0850 Monday through Friday, from 8 am to 8 pm ET. We are closed for major holidays.

‍You can log in to app.homebody.com to make most changes or call our agency team at (877) 577-0850. Some changes, like address changes, can only be done via phone. You also have the ability to transfer your policy to another rental property or switch to homeowners insurance if you’ve recently purchased a home.

‍In order for your personal possessions to be covered you must have at least a minimum selected under "Personal Contents" coverage e.g. $10,000. If you select "Liability Only" you will not have coverage for your personal possessions.

‍The proof of insurance/declaration page is available after the first payment has been processed. This typically takes 24 hours. The full policy packet will be sent 2 weeks after your policy’s start date.

‍All policies will remain active until they are canceled by the policyholder or we are no longer able to process payments and the policy lapses.

‍Because you pay rent to your landlord or their property management company, Rent Reporting is only available when they’re involved. Click here to see if you can use Rent Reporting!

Rent Reporting is a service that helps you build your credit by reporting only their on-time rent payments to all three major credit bureaus. Similar to a mortgage, Rent Reporting can help residents establish a payment history. Payment history can make up to 35% of an individual’s credit score.The longer you are on the lease and having your payments reported the greater the impact they will have on your credit. Everyone’s credit and situations are different, so results vary but on average residents will see a 20-40 point increase over a 12-month lease.

We report your payments for the previous month around the 15-20th of each month. This allows us to receive payment information from your community, determine the payment type, and report that information to the credit bureaus.

We report your rent payments to either Experian,Equifax, or TransUnion, or all three depending on the contract we have set up with your property management company.

Unfortunately, you are not yet able to check you credit score in the Homebody app; we're working on it! For now, you will need to use another source to check your credit. We suggest annualcreditreport.com, the official site authorized by the federal government, to access one free credit report per year. Keep in mind it can take up to 45 days for your first reporting to show on your report.

Yes! We will automatically back report any available history (up to 24 months) that is on your current lease. Your available back history will go out with our next reporting cycle, which happens right around the 15-20th of each month. Please note that we can only back report history that has been accumulated in the same unit you currently hold your lease in, if it was with the same property management company.

The cost varies depending on your property management company. Feel free to reach out to them for availability and details on costs. When you move out, your policy ends.

If you're able to pay your rent on time every month, then this is probably the easiest way to build your credit.

Property owners and managers determine the price for their residents. In some markets, they might charge more to manage the service.

Credit scores depend on all sorts of things: debts, lines of credit, debt repayment history, etc. Rent Reporting is just another way to help your score.

If you make a mistake with your payment, you do have a few options to cancel a payment that was made in error. You can do so by entering Homebody and going to Payments > Ledger. There you can cancel or void your payment prior to 5:30pm Eastern of that day.

Yes! You can choose your preferred payment method right in the app.

If your property allows digital cancelations, navigate to the 'amenities' screen, select your reservation, and select 'cancel reservation'. If you do not see an option to cancel digitally, please contact your property or leasing staff directly.

When a payment is made through Homebody, your balance due will usually update immediately. You will also be sent an automated payment receipt email from your property, once the payment is received. However, it is possible that your balance can take longer to update if there is an issue with the network. Please allow up to 30 minutes for the payment to update. If it still hasn't changed by that time, please contact your property from the "Contact" button.

Once you log into your Homebody account, go to 'Payments', then 'edit payment method'.

Log in to your Homebody app, and navigate to your maintenance screen. There, you will see your past submissions. Click on the request you're interested in to see it's status. Use the "contact" screen to contact your property for further assistance.

Log in to your Homebody app. Navigate to the "Maintenance" screen. Select where the maintenance issue is located within your apartment, or on the property. Give a description of the issue, and upload any relevant images to help the team diagnose the issue. Submit!

Great! Contact us at marketing@homebody.com to learn more.

Certain items are required by your property to move in or move out. Those will be noted with required. Other items on your checklist are completely optional. If you don't finish your checklist during your move-in, the options will remain availble to you throughout your lease should you need them.

A resident experience platform is a digital hub that helps you manage life in your apartment community. It brings together everyday tasks like paying rent, submitting maintenance requests, accessing services, and earning rewards in one easy-to-use place. The goal is to make renting simpler, more convenient, and more rewarding for residents.

Schedule your move-in dateMake your first rent paymentRegister your vehicleReserve an elevatorSubmit your renters insuranceHire moving help...and More!

If your property has Homebody Offers, you will see the 'Offers' tab at the bottom of your Homebody app. If you don't have offers in your app, your property may not have offers at this time.

Your property determines what day balances are available in Homebody and made visible to residents.