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
How to Save on Your Home Insurance
Everyday costs continue to rise in Waterloo Region and Ontario, making consumers eager to find savings in their household budget. As a local, independent insurance broker, we’re always looking out for more ways to assist our clients and today we’re sharing the top...
Reminder to Readd Road Coverages on your Seasonal Vehicles
Spring is here! For many of us, that means it's time to dust off our seasonal vehicles and to get our trailers, boats, and other recreational equipment out of storage and ready for use. But before you hit the road or the water, it's important to make sure your...
What Changes Do I Need to Tell My Insurance Broker?
Your insurance coverage is unique to you and policies are tailored to each person or item (i.e. your policy will be different than your neighbour’s, even if you drive the same car). READ Part 2: Commercial Insurance Changes to Tell My Insurance Broker - Staebler...
Five Insurance Related Resolutions for the New Year
Here are five smart insurance related resolutions to begin 2023.
What You Need Before Your Winter Travel Vacation
Whether for a week in the sun or a winter living away, most budgets aren’t prepared for unexpected medical costs. Travel insurance is available to help cover medical emergencies, trip cancellations, early or late return home due to unexpected interruptions, lost baggage, your rental car, and more.
Security for Your Home & Business this Holiday Season
With the holiday season upon us, our focus shifts to decorating, shopping, festivities, baking, and possibly travel. To help keep the holidays cheerful and safe, we bring you some essential tips and recommend some easy-to-follow steps to protect your homes and...
Roofing Considerations to Keep Your Property Safe
The roof over our heads is one of the most important pieces of construction, but we don’t really think of its importance before something critical happens. Pre-planning and preventative measures to take care of your roof can be the difference between your property...
Backyard Fire Rules & Safety Regulations in Waterloo Region
Summer is a great time to get outside and enjoy the weather with friends and family. While fires can be great for socializing and enjoying the outdoors, they do come with inherent risks. Here we will try to outline the common issues, considerations, and guidelines to...
What I Learned After a Water Claim in My Basement
Special guest blog by Yolande Charest, VP, Finance at Staebler Insurance It was early spring of 2020 when my sump pump started making a very loud noise and I could smell burning oil. At first I thought it was because the sump pump had been working overtime draining...