Renter’s Insurance
Get Tenant Insurance for Your Apartment or Rented Unit
Fill in the form and one of our brokers will contact you soon.
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
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.
Fill in the form and one of our brokers will contact you soon.
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?
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 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
Related Blog Posts
The Value of a Broker during My Water Claim Experience
Special Guest Blog by Chelsea Burley, Reporting & Payroll Administrator, Staebler Insurance A property insurance claim is never something that I wanted to go through, however I quickly learned that having a broker on my side made the process much more manageable....
What Boaters Need to Know about Updates to Canada’s Marine Liability Act
While there may still be snow and ice on some bodies of water in Ontario, we know eager boaters are thinking about the upcoming season. Before putting your personal boat or watercraft in the water for the first time this year, take a moment to review the important...
What Insurance is Needed for Home-based Businesses and “Side Hustles”
More and more Canadians are turning to home-based businesses and so-called "side hustles" for some extra income. Some examples of these home-based operations include: starting an ecommerce store, opening a hair salon at home, or consulting from a home office. While...
Waterloo Region Snow Removal and Ice Clearing Bylaws
As autumn turns to winter and the temperatures drop, the risk of icy and snowy conditions returns to Waterloo Region. With the wintry weather comes the responsibility of homeowners and landlords to ensure that walkways around their property are clear of ice and snow....
Kitchener Fire Department’s Home Safety Reminders
Did you know the number one cause for home fires is related to unattended cooking? Whether it’s an unattended oven, stovetop, or barbeque, with busy lives and household distractions it is becoming more common to forget that something is cooking. To help avoid a fire...
Protect Your Property: High Winds
This article is Part Two of our New Blog Series on protecting your property from natural threats. Be sure to check back to the Staebler Blog for future articles to help protect your home. Part One: Flooding High winds are an all-too-common threat for property owners....
Updated Backyard Fire Rules in Waterloo Region
Residents in Waterloo Region have different rules for backyard fires depending on the city or township they live in. The regulations range from no permit needed to requiring a permit to not allowing allowing fires at all. See below for a roundup of Waterloo Region's...
Be Aware of Ontario-based Door-to-Door Scams
Opening the door to an unknown person can be unnerving. It becomes even more uncomfortable when the stranger on the other side begins the interaction with high pressure sales tactics like time-limited offers. Often these face-to-face interactions are for a service or...
Protect Your Property: Flooding
This article is Part One of our New Blog Series on protecting your property from natural threats. Be sure to check back to the Staebler Blog for future articles to help protect your home. The summer season is no stranger to flash thunderstorms and heavy rain showers....