Cité Midtown Renters Guide

Welcome to your new Cité Midtown home.

We have put together this guide as a quick reference, complete with information that will answer questions you may have about living at Cité Midtown and specifically in Quartier Est – Phase 1.

A: Important Contacts

CONCIERGE

Quartier Est – Phase 1 has a dedicated, live-in Concierge.  Tenants will be notified of their working hours. The Concierge is generally located in the lobby but may be at various points throughout the building at any given time. 

The primary function of the Concierge is to:

• Control the flow of pedestrian traffic into the building

• Monitor the cameras located throughout the parking areas and other common areas

• Respond to resident requests for information and assistance

• Assist with elevator bookings and move-ins/outs

• Assist with deliveries, visitor parking, booking amenities and accepting small parcel deliveries (only non-perishable items)

• Attend to emergencies.

BUILDING MANAGER

Quartier Est – Phase 1 has a full-time Building Manager.  You should contact the Building Manager to deal with such issues as:

• Cleanliness and maintenance of the common areas;

• Malfunctioning of such things as the garage doors or garbage chute;

• Building security and access issues;

• Concierge issues;

• Fire alarm malfunctioning;

• Broken pipes or plumbing problems;

• Noise issues with neighbours, when they cannot be settled privately;

• Collection of monthly rent.

Quartier Est – Phase 1 Building Manager
Cogir Property Management
T 438-351-0923
Monday to Friday 9:00 am - 5:00 pm

BUILDING EMERGENCIES

In the event of an emergency, such as water leakage or any urgent deficiency that could cause damage or harm, please contact the Building Manager immediately. During off-hours you should contact the emergency service department of the Property Management company by way of the below emergency number.

Cogir Property Management
24 Hour Customer Care Line
T 263-993-8186

For all medical emergencies, call 911.

B: Renting 101 

B.1 WHAT RULES AND RESTRICTIONS MIGHT I ENCOUNTER FOR MY UNIT?

Every unit is governed by the rules and regulations in your standard Quebec rental lease agreement as well as any supplemental special clauses that form part of the lease.  These may cover:

• Payment terms;

• The number of occupants per unit;

• The number of pets;

• Noise restrictions;

• Parking rules;

• Amenity usage;

• Rules about smoking/vaping (tobacco or marijuana) in your unit and common spaces;

• Damage liabilities;

• The minimum term length of rental contracts and renewal terms;

• Termination conditions. 

Quartier Est – Phase 1 also has rules concerning the alteration of your unit and/or its appearance. For example, the blinds in your unit may not be changed or altered. Also bicycles, barbeques and other large items are not allowed to be stored on your balcony. This is in order to maintain a consistent look of the exterior of the building.

If you have questions or are uncertain of the rules and regulations associated with your lease agreement, contact the Building Manager.

B.2 WHAT’S INCLUDED IN MY RENT

Renting at Quartier Est – Phase 1 has its benefits.  The following are always included in your rent:

• Bell Fibe 500 internet;

• Centralized air conditioning and forced air heating;

• Unlimited hot water through a central system;

• Roller blind window coverings;

• Five stainless steel kitchen appliances;

• Stacked washer/dryer.

There is also parking and storage lockers available for an extra monthly fee.

C: Cité Midtown

C.1 THE BIG PICTURE

C.1.1 General Information about Cité Midtown

Cité Midtown is a four-phase, LEED ND development that on full build-out will consist of: 

1. “Lot 1”: Approximately 400 condominium units and 300 rental units in four buildings (Blocks 1.1 to 1.4). These are referred to as “Tower units” in the official condominium documents (even though they are in “mid-rise” buildings), and therefore sometimes referred to this way here. All four buildings sit on one continuous underground parking garage. Quartier Est – Phase 1 is the first rental building.

2. “Lot 2”: Six blocks of townhouses (Blocks 2.1 to 2.6), each containing twelve (12) townhouses, so a total of 72 townhouses. As with the condominiums, the six townhouse blocks sit on the continuous underground parking garage and are also held in the form of condominium ownership.

3. Extensive amenities, as set out in C.1.2 below.

4. A “Shared Street” (“Rue Suzanne-Coallier”), designed to be “shared” by vehicles, bicycles and pedestrians, and

5. A 2-acre public park, to be designed and delivered by the municipality, expected to be opened in 2027.

C.1.2 Amenities

Cité Midtown benefits from an extensive indoor and outdoor amenity package. All amenities will be open to all residents of Cité Midtown, notwithstanding the building in which the amenity is located. 

Residents of the Tower buildings (Blocks 1.1 to 1.4) will have indoor access to all indoor amenities through the Lot 1 underground parking garage or from any of the exterior amenity doors.

All amenity areas will be accessible using your key-fob.

View amenity plan

C.1.3 Social Housing

As shown on the Site Plan in Section C.1.1, a Social Housing building will be constructed between Blocks 1.3 and 1.4. This building is expected to be 6 to 8 stories high and contain approximately 90 units. Its design will ensure that the building blends in seamlessly to the Cité Midtown community.

Urban Capital transferred the Social Housing Lot to the City of Montreal in 2023. We understand that the city intends to construct the Social Housing building sometime in the next three years.

Notwithstanding its consistency in design, the Social Housing building will be functionally independent of the rest of the Cité Midtown community, including having a separate underground garage, and a completely independent property manager. Residents of the Social Housing building will have the right (as with all members of the public) to circulate through the Cité Midtown community but will not have the right to use the amenities.

From what we are told, the City is intending to develop the Social Housing building with larger units geared towards families.

C.2 THE DETAILS

C.2.1 Building Address and Mail

Your municipal address is:

180 Blvd. Marcel-Laurin, Unit ____
St-Laurent, QC
H4M 0B5

Private unit mail deliveries will ultimately be made to the mailboxes located in the lobby. You will get one mailbox key on move-in. In the early stages of occupancy, mail may be directed to local Canada Post outlets until Canada Post has formalized the new building into their delivery system.

Non-perishable packages will ultimately be delivered and stored in the Parcel Room directly behind the concierge desk. The 1Valet entry system (discussed in more detail below) works with all major delivery companies, allowing access into the building and then into the Parcel Room for delivery of packages. Notifications are then automatically sent by email to the specific resident.

C.2.2 Lobbies, Elevators and Circulation

The lobby is located on the northside of the building and accessible from Boul. Marcel-Laurin. In the case of move-ins, movers may use the main lobby. There are two elevators in this building.

All parking spaces are located on the P1 level. The garage entry door is also located on the northside of building, just west of the main entrance. There is a second garage door accessed from Rue Suzanne-Coallier on the west side of Block 1.1.

1VALET Access Management App

1VALET is a smart building operating system that integrates the latest technologies to better connect residents to their community. By centralizing building systems into one web-based dashboard and empowering tenants with a Resident App, 1VALET increases resident engagement, and creates a safer and smarter community.

The 1Valet system will be immediately recognizable in the entrance lobby. The oversized touch panel facilitates a wide range of smart interaction for tenants, guests and package deliveries. All garage doors are also available to open from the app, whether for yourself or remotely for your visitors.

For more detailed information on the 1Valet app please visit the following website: 1valet.com.

C.2.3 Vehicle Parking

Resident Vehicle Parking 

Parking at Cité Midtown is located on a common Parking Level 1. In the interest of fairness, parking spaces have been allocated randomly but are typically located in the parking area under your building. If you are renting parking, your allocated space will be provided to you at your key pick-up.

Quartier Est – Phase 1 has 12 parking spots equipped with Electrical Vehicle chargers. If you require an EV charger, please contact the Building Manager to be assigned an EV spot and to arrange the extra monthly payment for the electricity.

Please note that:

To enter the underground parking, you must use the 1Valet app (See Section C.2.2). If the app is not functioning, there is a key-fob reader at the garage door, which will also activate it.  There are no separate garage door openers for this building.

To exit you simply approach the overhead garage door, and it will automatically open.

Visitor Vehicle Parking

Cité Midtown will have about 60 parking spots for visitors, to be located in the garage under the future Tower 3 building (Block 1.3).  The procedure for visitors to gain access will be relayed to tenants once the spots are available.

Good to know – Cité Midtown’s Rue Suzanne-Coallier contains many exterior parking spaces that are available on a first come first served basis.

C.2.4 Bicycle Parking

Visitor bicycle posts are located throughout the exterior landscaping of Cité Midtown.

General Use Bicycle Use Racks

For residents, there are bicycle racks located in open areas throughout the garage to be used on a first come first served basis. While these racks are currently first come first served, the Building Manager may assign these as rental spaces in the future or put further restrictions on their use. 

Prohibition of Bicycles in the Common Areas

Please note that it will be strictly prohibited to bring bikes through the lobby, corridors and public areas of the building and bicycles are not allowed to be stored on unit balconies or terraces. Bicycles should be brought into or taken out of the building through the main vehicle garage door.

C.2.5 Building Access and Security

With your safety in mind, we have included the following security features in Cité Midtown:

• The building entrances, the elevator access points in the garage, and the various amenity rooms are all equipped with proximity key-fob readers. To unlock a door, you simply hold your key-fob within 1 inch of the reader. The benefit of this system is its ease-of-use as well as its security features, which among other things allow the Property Manager to add and delete entrants, thereby controlling who can and cannot enter the building, as well as allow Property Management to track which unit is accessing the amenity spaces in the event of damage or theft. 

• A state-of-the-art building entrance call-panel, called 1Valet, is located in the building’s lobby vestibule. Your key fob will allow entrance to begin with, although the system can also be programmed to recognize your face to gain access to the building if desired. See Section C.2.2 for more information on 1Valet.

• Security cameras have been installed at key security points in the building, such that any activity will be recorded as well as visible at the workstation located in the telecom office.

• Vehicular access to the parking garage requires access to the 1Valet app through your cellphone. Pedestrians and those on bicycles will be able to use the 1Valet app or a key-fob to open the overhead garage door. Once inside the parking garage a key-fob (or access by way of the 1Valet-entry system) is required to access the elevator lobbies. Only once someone is inside an elevator lobby will they have access to the rest of the building. 

Each unit will be assigned two (2) key-fobs. Additional key-fobs may be purchased through the Building Manager. 

Notwithstanding the security features above, building security ultimately relies on resident vigilance. Always watch whether someone is entering the building behind you and remain at the garage door entrance until the door is closed to ensure no one gains access this way. Finally, do not let in unidentified persons by way of the 1Valet-entry system.

C.2.6 Garbage and Recycling 

Quartier Est – Phase 1 is equipped with a garbage chute, accessed on each floor and meant strictly for garbage that is not recycling. Recycling waste should be brought to the garage Garbage and Recycling room where it will be the responsibility of the resident to break down any boxes and place in the designated blue box containers. 

In consideration of your neighbours and to reduce late night noise, please do not dispose of garbage in the garbage chute between 10:00 pm and 7:00 am.

D: Things to know about your unit

This section addresses typical questions from new tenants and provides some tips on maintaining your unit and its components. The information is by no means exhaustive. Should you have more detailed questions about any of the items listed, or questions about other aspects of your unit, please contact your Building Manager directly.

THE BARE MINIMUM

• Arrange for your own contents and liability insurance from the date of key pick-up. It is important to note that proof of insurance will be required for your fob/keys to be released to you. The insurance must in place for the full duration of your lease.

• Complete and submit your Hydro application form. It is important to note that proof of account set up will be required for your fob/keys to be released to you. 

• Read and understand your appliance manuals.

• Do not load your washer / dryer more than 2/3 full and use a minimal amount of detergent. Your unit is equipped with a secondary lint trap located in the wall behind your dryer. This lint trap should be checked after each drying cycle to ensure optimum drying. 

• In all units, your main ventilation fan and your energy recovery fan (ERV) each have a filter, which need to be changed or washed each season.

• Your unit’s combination microwave/hood fan contains a standard cooking ventilation fan that vents directly to the exterior. The metal grease filters should cleaned each month.

• Do not use soap, ammonia-based cleaners, vinegar, or detergents on your flooring and never pour water (or allow it to pool) on the floor. To clean floors, use a lightly damp cloth and/or a proper floor cleaner.

• Use only liquid non-abrasive cleaners on glass-top stoves, bathtubs, countertops and stainless-steel sinks.

• Shut-off valves control water flow to individual plumbing fixtures and appliances. In the event of leak from a fixture or appliance, immediately shut off the valve to it. Additionally, each unit is equipped with a central water shut-off valve. These valves are located behind an access hatch in the ceiling of your front entrance closet. Please confirm the location of the central water shut-off valve in your unit.

D.1 MECHANICAL AND ELECTRICAL SYSTEMS

D.1.1 Heating and Cooling

The cooling for your unit is supplied by an energy efficient fan coil system (forced air) located in the suite, while the heating is supplied by electrical baseboards. The heating of your unit is controlled by thermostats individually located in each room while the cooling is controlled by a single thermostat. 

Within the primary living area, you will find 2 thermostats located one on top of the other. The square Mitsubishi thermostat typically located on top is your primary thermostat for all cooling, the main ventilation fan control, and then for the heating of the primary living area only. The second rectangular thermostat with the words ‘Ventilation Fan’ on it is made by Lifebreath, and controls the heat recovery ventilator or ‘HRV’. This thermostat is set by our installers and is generally not used on a daily basis. The HRV is a separate and secondary ventilation fan that controls the amount of fresh air entering your unit and can also be used as an additional tool to help regulate humidity. You can read more about the Mitsubishi and Lifebreath HRV thermostats in the manuals provided to you in your unit.

General

If your heating or air conditioning is not working, check the circuit breaker in your electrical panel (see D.1.5 below). If the breaker is off or “tripped”, switch it on. If it is on, switch it off for 30 seconds and then switch it back on. If the system does not start working, then please contact the Building Manager.

Your heating and cooling system will work most effectively if you keep the following points in mind:

• Your A/C will not overcome heat gain from direct sunlight. Please ensure that your blinds are drawn during direct sunlight hours.

• It is far easier for the system to maintain a suite as either cool or hot than to initially cool or heat it. Therefore, even if you are away during the day, keep the temperature in your suite moderate during that time by running the air conditioning or heating at moderate levels.

• When outdoor temperatures are low, it is generally recommended that blinds be left in an open position to allow airflow over the windows to help reduce the amount of condensation that may form on windows.

• In order to keep the air flow strong, the main ventilation fan filter needs to be changed regularly. The Concierge will schedule and complete the replacement as required.

D.1.2 Fresh Air Ventilation

The fresh air ventilation for your unit is supplied by way of an energy recovery ventilator (ERV), which brings fresh air directly into your unit from the outside. While you are at home, the ERV will run on a continuous basis at low speed. You can increase ventilation by turning on the dedicated ERV switch, which is the push button switch in your bathroom adjacent to the light switch. Increased ventilation is automatically activated when either the bathroom fan or the range hood fan is in use.  There is a filter on your HRV which should be cleaned seasonally.

D.1.3 Maintaining Temperature and Humidity Within Your Suite

Cité Midtown has been designed to help you maintain optimal thermal comfort within your unit. The optimal operating conditions to maintain thermal comfort in your suite are:

Recommended temperature and humidity in winter: 21-22 degrees Celsius (69.8-71.6 degrees Fahrenheit) at 35% humidity.

Recommended temperature and humidity in summer: 22-23 degrees Celsius (71.6-73.4 degrees Fahrenheit) at 40-50% humidity. Always stay below 60% humidity.

Temperature

Temperature can be maintained according to the thermostat operations manual instructions. It should be noted that the AC will not function in the winter and if the heaters are active.

Humidity

The following guidelines are provided to assist you in controlling humidity:

Lowering Humidity (Typically in Summer):

• Bathroom exhaust fans, and kitchen exhaust hoods remove moisture that activities such as showering / bathing and cooking create. Keep exhaust hoods free of dust, grease or anything that could keep them from working efficiently.

• Cover pots while cooking.

• Leave room doors open to allow good air circulation.

• Lowering the temperature within your suite also lowers the moisture level in the air as it cools 

• Plants - reed palms, Boston ferns and cacti are good examples of indoor plants that can help regulate your home’s moisture levels.

• You may notice condensation on windows when cold air on the exterior comes in contact with your warmer interior space. By opening window coverings, (i.e. drapes, blinds, etc.), it will allow more warmth to reach the interior glass making it less likely for condensation to accumulate.

Raising Humidity (Typically in Winter): 

• Use a humidifier while staying within the suggested humidity levels.

D.1.4 Plumbing

Individual shut-off valves control the water flow to sinks, the dishwasher, the washing machine and the toilet in your unit. In the event of a leak with any of these, the first step you should take is to interrupt the water supply by turning off the appropriate shut-off valve. We strongly recommend testing all shut-off valves upon move-in. It is good practice to shut off the water supply to the washing machine when it is not in use.

The supply of water to your unit generally is controlled by a main shut-off valve located in your front entrance closet ceiling. Any leaks beyond the individual fixtures or appliances as discussed above should be immediately stopped by turning off this valve.

It is important to note that no modifications to appliances and plumbing fixtures are allowed. Water leakage in apartment buildings can cause great damage to your unit and to those below you, resulting in very high repair bills.

D.1.5 Electrical System, Switched Receptacles and Outlets

Your electrical panel contains individual breakers that control separate circuits. These breakers are marked to help you identify which breaker controls which appliances, outlets, or other services. If any electrical service in your suite is not working, you should first check your electrical panel. If you do not know the location of your panel, or do not feel comfortable with how breakers function, please contact the Building Manager.

Your unit is equipped with ceiling light fixtures in your entrance way and/or hallways, track lighting over the kitchen and a dining area light.

To preserve the look of our exposed concrete ceilings and given our open-concept design, we do not rough-in overhead lighting in living rooms, bedrooms or dens. Lighting in these areas is achieved by floor or table lamps that you plug into switched receptacles, i.e., outlets that are activated by wall switches. If you notice a light switch that does not appear to turn on any light, its likely function is to activate one of the plugs in that room.

D.1.6 Utility Metering

As part of the energy saving features of Cité Midtown, each unit comes with individual electricity sub-meters. Hydro Quebec will be reading your meter and billing you directly for the electricity consumed in your unit. It is therefore essential that you review the Hydro Quebec information materials available on the Hydro Quebec website. It is important to note that proof of account set up will be required for your fob/keys to be released to you. 

For more information on setting up your account, please contact:

Hydro Quebec
T 1-888-385-7252
www.hydroquebec.com

D.1.7 Telephone / Cable / High Speed Internet

Included in your rent is Bell Fibe 500 internet service.  Here’s what you’ll get:

• 100% pure fiber internet, directly to your home;

• Download and upload speed of up to 500 Mbps;

• Connect all the devices in your home wirelessly with Wi-Fi 7E.

Bell’s welcome package is included with your lease.  For more information and to set up your account, please contact:

Bell

T 1-888-988-0818

D.2 APPLIANCES

D.2.1 General

Your Cité Midtown unit includes five stainless steel kitchen appliances and a stacked washer/dryer. User guides for these appliances should be inside the appliance itself upon move-in but, if they are not, they are available online by searching the make and model number of the appliance.

If there is a problem with one of your appliances when you move in, it may be because it has not been properly hooked up. Please contact the Building Manager for the matter to be investigated right away.

D.2.2 Washer and Dryer

Your unit includes a stacked washer and dryer which have several features and basic operations you should be aware of. 

Tips:

• Never load the machine more than 2/3 full.  Overfilling can cause clothes not to properly dry and damage the machine.

• Use a minimal amount of detergent. For the best results, less is more.

• During drying the machine spins and centrifugal force causes the clothes to stick to the side of the drum. Use liquid fabric softener to reduce the likelihood of this and to help clothes dry faster and create fewer wrinkles.

• Your unit is equipped with a separate dryer booster fan which serves to accelerate the airflow through the dryer vent ducting and outside of the building. With this in mind, we have also included a secondary lint trap located on the wall behind your dryer. The booster fan will tend to evacuate more lint from each load than is typical and therefore it is recommended that you check the lint trap in the wall following each load.

• If heavy items are taking too long to dry, you may be overloading the machine or washing too many highly absorbent articles in a single load. Try to mix up loads and consider hang drying lighter items.

As mentioned above with your kitchen appliances, if there is a problem that arises with your washer/dryer, please contact the Building Manager. 

D.3 COMPONENTS AND FINISHES

D.3.1 Windows

The windows in your Cité Midtown unit are insulated, double glazed units with operable casement windows and two-leaf sliding doors or swing doors out to the exterior. Insect screens are provided on all operable windows.

D.3.2 Walls

Painting is not allowed unless approved in writing.[MN1] 

D.3.3 Flooring

Suite Flooring 

We have installed luxury vinyl plank flooring in your unit. This product will maintain its excellent appearance provided that it is properly cared for and maintained. In this regard you should ensure the following:

• Be careful of scratching. Never drag furniture or heavy appliances along the floor. Be sure to support these with casters or glides.

• Never pour water or allow it to pool on the floor. Immediately blot up spills or spots using a lightly damp cloth.

• Sweep or vacuum your floor on a regular basis to prevent dirt and grit from harming it.

• Use mats or area carpets in high traffic areas.

• Maintain normal interior humidity levels (40-50%).

• Do not use wet mops, wax conditioners, acrylic wax, steel wool, soap, detergents, ammonia-based cleaners or vinegar on the floor.

Floors can respond noticeably to changes in humidity level in the home, especially in winter. Some shrinkage or warping may occur, especially around heat vents or any heat producing appliances.

Bathroom Flooring

We have installed premium porcelain tiles in your unit. Caring for porcelain floor tile floors is straightforward. Routine care requires:

• Sweeping or vacuuming loose dirt then mopping with warm water or a pH-neutral cleaner.

• Always wipe the floor completely dry to prevent streaks or staining.

• Avoid harsh abrasives, bleach and acidic cleaners like vinegar.

D.3.4 Countertops

Always use a cutting board to protect your countertops when you prepare food. While minor scratches that can result from cutting food may not be noticeable at first, in time they will dull and mar the luster of the finish. If you have a light-colored countertop, ensure that any red wine or other types of potentially staining liquids are cleaned up quickly before they have a chance to potentially settle into the material. 

D.3.5 Condensation

Condensation may appear in wintertime at your windows or windowsills, resulting from high humidity within the unit, low temperatures outside, and potentially poor ventilation at the window area (such as when your blinds are lowered). 

Condensation tends to be worse in a building during the first few years after completion, because of the release of moisture initially trapped in the concrete and the newly finished drywall. You should anticipate that there will be some condensation initially at Cité Midtown, due in part to our exposed concrete ceilings.

Please take the following steps if condensation issues appear in your unit:

• Leave blinds either fully or partially open as much as possible to allow airflow over the windows;

• Vary the ventilation in your unit or make use of a stand-alone dehumidifier;

• Always use your hood fan when cooking; and

• If you plan to be away from your unit for an extended period during winter, do not set the temperature in your unit significantly lower than your normal temperature.

D.3.6 Blinds

To maintain a clean, upscale appearance of the overall Cité Midtown development, the blinds provided in your suite should not be changed or altered in any way or removed for any reason. Note; when lowering your shades you should always leave at least one inch open at the bottom near the sill to prevent heat build-up and promote adequate ventilation

D.3.7 Outdoor Balcony/Terrace Restrictions

As with your blinds, the look of what you place on your balcony or terrace has a significant impact on the overall look of the building. As a result, your lease includes the following restrictions on balcony and terrace use:

• You are not allowed to store any items or materials, including bicycles, on the balconies or terraces;

• You may not hang items off the balcony or terrace railings, including plantings, holiday decorations or exterior lights;

• Structures such as pergolas or hot tubs cannot be installed at any time;

• You may not install any patio covering, such as wood tiles, as it may affect the integrity of the balcony and cause long term damage due to moisture getting trapped below;

• You may not allow your pet to relieve themselves on the balcony or terrace.

D.3.8 Suite Keys / Changing your Locks

One (1) suite entry key will be provided on move-in. Additional keys can be requested from the Building Manager.  If more than two (2) keys are required, they can be cut at your expense.

In accordance with building policy, all suite entry doors are on one master key. The master key system allows the Building Manager to gain immediate access to your unit in case of emergency, fire or flood. 

If your lock must be changed, please contact the Building Manager to ensure that your lock remains on the master system. The cost to have the lock re-keyed to the master will be at your expense.

D.4 GENERAL

D.4.1 Pets

Quartier Est – Phase 1’s Rules and Regulations allows tenants to have a maximum of one (1) household pet (defined as a dog, cat, caged bird or fish),. If the Building Management determines that there is a disruptive pet, it may have to be permanently removed from the building.

D.4.2 Insurance

Building Insurance 

Cite Midtown holds insurance coverage for the building and for all units in cases of major perils such as fire, flood and smoke damage. This insurance would not cover the contents in your unit itself.

Tenant Contents Insurance 

As a tenant you are responsible for obtaining insurance for appliances and personal property, such as furniture, clothing and electronics. It is recommended that all tenants obtain minimum insurance coverage of $1 million and make sure that it covers liability insurance, contents insurance, loss assessment and contingency insurance starting on the date of fob/key pick-up. Insurance must last for the duration of the lease.