Wildfires Are on the Rise in 2024: What You Need to Know

As wildfire season approaches in Canada, it’s crucial for renters to take proactive steps to safeguard themselves against potential disruptions. In recent years, wildfires have increasingly posed a significant threat to communities, displacing countless individuals and families. 2024 is no exception, and now is the time to ensure you're prepared.

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Wildfire Risks in Canada

Canada's wildfire season, particularly prominent in provinces like British Columbia, Alberta, and Ontario, has become more intense in recent years. Wildfires can spread quickly, causing significant damage to property and, more immediately, disrupting daily lives by forcing evacuations. Given the unpredictable nature of wildfires, it’s essential for renters to be aware of their insurance coverage and take measures to protect themselves.

Understanding Additional Living Expenses Coverage

One crucial aspect of renter's insurance that often goes overlooked is Additional Living Expenses (ALE) coverage. ALE provides financial support for displaced renters, covering costs such as hotel stays, temporary accommodations, and other expenses incurred due to evacuation.

This coverage ensures that renters aren't left struggling to find housing or manage extra costs if they're forced to evacuate their homes due to wildfires. Having this safety net is essential to navigate unexpected situations smoothly and reduce the stress associated with sudden displacement.

Checking Your Policy

To ensure you’re adequately covered, now is the time to review your current renter's insurance policy. Check if ALE is included and if its limits align with your needs. Consider the costs of living temporarily elsewhere and ensure your coverage reflects these potential expenses.

How to Increase Your Policy Limits with APOLLO

If you have a policy with APOLLO, here's how to simply and quickly modify your coverage limits:

1. Log in to the Customer Portal by entering your email address and the secure one-time code that we will send to your inbox.

2. Click "Policy Details" on the left hand side, then "Modify Coverage".

3. Your updated quote will appear on the bottom right side of the screen, reflecting the change in your premium

4. Click "Update Now" for your policy changes to take effect immediately.

Please note that you cannot decrease coverage limits on the Customer Portal at this time.

Staying Prepared Beyond Insurance

While having the right insurance coverage is essential, renters can also take practical steps to prepare for wildfire season:

• Create an Evacuation Plan: Know the safest routes out of your area, and have a plan for where you’d stay if evacuated.

• Pack an Emergency Kit: Include essentials such as important documents, medications, and basic supplies to sustain you for a few days.

• Stay Informed: Keep up with local news and alerts to stay aware of wildfire developments in your area.

APOLLO offers effortless tenant insurance that keeps you covered when you need it most. Get your free quote in less than a minute and we’ll send your policy documents directly to your inbox.

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