Renter’s Insurance

Get Tenant Insurance for Your Apartment or Rented Unit

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Renters Insurance

Coverages for Your Apartment

Tenant Insurance or Renters insurance, and sometimes called Apartment Insurance, provides coverage for your possessions against theft, fire, or water damage.

Contents Coverage

Protects your personal belongings such as furniture, electronics, cookware, clothing, etc.

Personal Liability Coverage

To help with legal fees, medical payments, and settlements if someone is injured in your unit or if you or a family member causes damage to someone else’s property (including other condo units and the common areas).

Additional Living Expenses

Coverage to help pay for temporary housing, food, and other living expenses if you are unable to live in your unit after a claim, while repairs are being completed.

Betterments & Improvements

Coverage for upgrades you make to your unit that are not part of the original construction or standard finishes. Think renovated bathrooms, upgraded flooring, or custom kitchen cabinets.

Important Extras

These extra coverages may be added to your renters insurance policy, where available

Protections from Water

Coverages for select water-related damages caused by burst pipes and sewer backups. Overland water (flooding) coverage may not always be available

Valuables

High-value items such as jewelry, furs, fine arts, and collectibles. Standard coverage limits may not be enough – talk to your broker about scheduling your high value items.

Special Limits

Similar to valuables, standard policy limits might not be enough for special items such as:

  • Bicycles and e-bikes
  • Musical Instruments
  • Sports Equipment
  • Business Equipment (including computer equipment)
  • Home Electronics

Umbrella Liability Coverage

Increases your limit of liability. It can extend an additional liability limit over your Personal Liability Coverage and any auto policies you may have.

Claims Foregiveness

Your first claim is treated as if it never happened. You will keep your claims-free discount as long as you stay with your current insurance company.

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Renters Insurance

Changes to tell Your Broker

Lifestyle changes affect both your premium and how your policy responds, so be sure to keep your broker up-to-date with any changes! Some examples include but not limited to:

Change of Address

Marital Status

Home Office or Starting a Business

Aquiring Valuables

Vacant Home or Property

Changing or Starting a New Job

Gig economy jobs including Ridesharing or Delivery of Anything

Renting or Leasing Part of Your Apartment

Can where you work save you money?

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Looking to Insure another type of Property?

Secure your most valuable asset with the right coverages at the right price

Home Insurance

Insurance For Your House

Insurance for your home’s physical structure, your personal items, and much more

Condo Insurance

Insurance for Your Condominium

Condo insurance protects your personal property as well as suite upgrades and common areas, where required by condo boards

Cottage and Other Property Insurance

Insurance for your other properties including Cottage Insurance, Seasonal Property Insurance, Trailer Insurance, Rental Property Insurance

Watercraft Insurance

Insurance for your watercrafts, including hull and liability

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