Is it possible to get renters insurance backdated to the 1st of the month for landlord purposes only? 
Backdating an effective date means coverage was effective from that date forward and as a common practice , it is prohibited by carriers . There are controlled situations where they may permit backdating . One is where there is a `` statement of no loss '' but it is risky business for the carrier if you are a new customer . We accept a `` statement of no loss '' when reinstating coverage but only with the permission of the carrier and the form is their requirement not ours . If an agency is willing to backdate without the carrier he/she has probably violated carrier rules and/or state law . 