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We understand that form filling can be stressful or time consuming and appreciate your diligence in providing us with this required information. This information often helps during emergencies and can prevent loss or damage to person or property.

While form errors related to software can occur, we often find most errors are quickly resolved using the following steps.

Check for Errors at the Top of the Browser Window: 

• Users should first look for any error messages displayed at the top of the form. Each missing field will also display a “This field is required” banner.  These messages typically indicate where required information has not been entered correctly. We keep our fields very neutral and open, allowing any picture or file upload and even accepting incorrectly formatted email addresses.

Use a Different Device

• Sometimes device issues can cause problems, especially for users on small screens like iPhones. If users are entering long strings of information, they might not be able to see the entire text. Recommending the use of a larger screen can help.
•  If users have repeated entry errors, your browser cache may become problematic. In this case, they should switch to a different browser or device to complete the form.

Save the Application 

• At the bottom of the form, users can typically save their application so it can be continued later. 
• The save button invites users to create a personal Jotform account, but this is not required and can be easily bypassed (see “Skip Create an Account” link in image below). Either way, users can send a copy of the form submission to their own email or another email. We recommend users send a link to continue this application to their own personal email address so they can first try to submit the form on another device.
• Alternatively, users can send the link to info@fullcirclevt.com for assistance. Often, we can identify any possible form submission errors within within 1-2 business days after receiving the link. We can then communicate with users to assist them in finalizing their form submission.

Working Together to Build a Stronger Community

We want to assure you that we protect your personal information securely and only collect necessary information We welcome your feedback and hope to work cooperatively to build a better sense of community.

By following these steps, we can effectively assist users and ensure a smooth form submission process. Thank you for your attention to these details and your continued support in troubleshooting form submissions.

Why do I need renters insurance?

Renters insurance is required to ensure that you have liability coverage of at least $100,000 throughout your tenancy. This protects both you and the property owner from potential liability claims.

What happens if I don’t secure renters insurance?

If you fail to secure renters insurance, we will activate a landlord liability insurance policy on your account. This will result in a monthly fee for this insurance and an additional administrative fee.

How can I avoid the additional fees?

You can avoid these fees by obtaining your own renters insurance policy. You can purchase it from any provider in the marketplace or through Appfolio within your Online Portal >>

What’s the difference between renters insurance and landlord liability insurance?

Renters insurance covers your personal belongings and provides liability coverage. Landlord liability insurance only covers liability and does not protect your personal belongings.

Why should I get my own renters insurance?

By securing your own renters insurance, your personal belongings will be protected against loss due to events such as floods or other disasters. Landlord liability insurance does not offer this protection.

How do I provide proof of my renters insurance?

You need to upload a certificate of insurance to your Online Portal . If you prefer to send it to our staff for uploading, a $4.50 administrative fee will be assessed. To avoid this fee, upload the certificate yourself.

What should be included in the renters insurance policy?

Your renters insurance policy must name the owner of the rental as the insured, not Full Circle Property Management. Use the following address:

{Owner’s Name}
Care of Full Circle Property Management
P.O. Box 4057
Burlington, Vermont 05406

Where can I find the Owner Name for my rental?

You can find the Owner Name of your rental by reviewing your written lease agreement, which is a shared document in your Online Portal .

Is this requirement only for the beginning of my tenancy?

No, maintaining renters insurance is required throughout your entire tenancy. If there is a lapse in coverage or if you forget to upload a renewal policy, administrative fees and landlord liability insurance fees will be automatically added to your monthly statement.

Can these fees be refunded if I later provide proof of insurance?

No, these fees cannot be refunded. However, once you provide proof of renters insurance, the additional fees will be automatically eliminated moving forward in the next month.

Where can I purchase renters insurance?

You can purchase renters insurance from any provider in the insurance marketplace or through Appfolio’s renters insurance with your Online Portal .

Who can I contact if I have questions about insurance products?

Full Circle Property Management does not answer questions about specific insurance products. For more information, please visit the Appfolio insurance website or the websites of any insurance carriers you are considering.

Why is renters insurance beneficial for renters?

Renters insurance is beneficial for renters because it provides protection for personal belongings against loss or damage due to various events such as theft, fire, or natural disasters. It also provides liability coverage, which can help cover legal costs if someone is injured in your rental unit or if you accidentally damage someone else’s property.

How does liability or renters insurance benefit both renters and landlords?

• For Renters: Liability insurance ensures that you are financially protected in case you are held responsible for accidental injuries or damages. This can prevent significant out-of-pocket expenses and provide peace of mind.
• For Landlords: Requiring liability insurance helps protect the property and reduces the risk of disputes and financial loss due to tenant-caused damages. It ensures that tenants are responsible for their actions, promoting a safer and more secure living environment.

What additional information might be helpful?

• Coverage Details: Ensure that your renters insurance policy covers personal belongings, liability, and any additional living expenses if you are temporarily displaced due to a covered event.
• Policy Limits: Review and understand the policy limits and deductibles to ensure you have adequate coverage for your needs.
• Discounts: Inquire about any available discounts, such as bundling renters insurance with other insurance policies (e.g., auto insurance).

We appreciate your cooperation in meeting this requirement and ensuring a safe and secure living environment for everyone.

There are a variety of reasons that online payment may not be possible at your property (including at Cottonwood Crossing, Gardenside Commons, 50 Barrett St, and our independent senior living communities, all of which do not currently offer online payment options).

As a workaround, we suggest that residents setup a bill pay arrangement with their personal bank.  This can be a reliable and convenient way of experiencing a degree of automation without some of the higher fees that  online payment options typically require.

Unveiling the Hidden Challenges of Online Payments

1. Security Concerns: Owners may be hesitant to accept online payments due to concerns about the security of online transactions, including the risk of fraud or data breaches.
2. Lack of Infrastructure: Some owners may not have the necessary infrastructure or resources in place to securely process online payments, such as reliable internet connections or appropriate payment processing systems.
3. Preference for Traditional Methods: Some owners may prefer traditional payment methods, such as checks or money orders, due to familiarity or personal preference.
4. Legal or Regulatory Restrictions: There may be legal or regulatory restrictions in place that prohibit landlords from accepting online payments, or require them to meet certain criteria or obtain specific licenses before doing so.
5. Tenant Accessibility: Not all tenants may have access to the internet or online banking services, making it difficult for them to make payments online.
6. Processing Fees: Landlords may be reluctant to accept online payments due to associated processing fees charged by payment processing companies, which can eat into their profits.
7. Technical Issues: Online payment systems may experience technical glitches or downtime, leading to delays or difficulties in processing payments.
8. Privacy Concerns: Some tenants may have concerns about privacy or data security when making online payments, particularly if sensitive personal or financial information is involved.
9. Preference for In-Person Interaction: Some owners may prefer to interact with tenants in person when collecting rent payments, as it allows for better communication and relationship-building.