Student Tenant Insurance

Tenant insurance provides protection for a wide range of risks that a tenant may face, but there are certain things that are typically not covered by this type of insurance. These may include:

• Damage caused by certain natural disasters: Depending on the policy, damage caused by certain natural disasters such as earthquakes or flooding may not be covered.

• Damage caused by your own negligence: If your child causes damage to the rental property due to their own negligence, such as leaving the stove on and causing a fire, the tenant insurance policy may not cover the damages.

• High-value items: The policy may have coverage limits for certain high-value items, such as jewelry or artwork. If the value of these items exceeds the policy limit, you may need to purchase additional coverage.

• Illegal activities: If damage or loss is caused as a result of illegal activities conducted in the rental unit, the insurance policy may not cover the damages.

It's important to review the insurance policy document carefully to understand exactly what is and isn't covered.

If you decide to move, we can help transfer the Student Tenant's policy to cover the new location. This policy is specifically designed for students, whether they live on or off campus.

To learn more about changing your address, read our article APOLLO Tenant Insurance Login.

As a student living away from home, it's important to protect your personal belongings in case of unexpected events. Student tenant insurance can cover your belongings in the event of covered losses like theft, fire, water damage, and more.

However, there may be special limits on certain contents, such as jewelry, and a deductible that needs to be paid before coverage kicks in. We recommend reviewing your policy carefully to ensure that you understand your coverage and any limitations that may apply.

To learn more about how APOLLO compares to competitors, read our article Finding the Best Tenant Insurance: APOLLO vs. CAA.

If you experience a covered loss and need to make a claim on your insurance policy, you may be required to pay a deductible. The amount of the deductible will be shown on the Declaration page of your policy and will typically be subtracted from the total amount of your covered loss. This means that we will only pay the portion of the covered loss that exceeds the deductible.

However, some special coverages under the Tenant's package may not require a deductible. For example, certain coverages such as lock replacement, freezer food spoilage, and fire department charges may be exempt from the deductible requirement.

To ensure that you have a clear understanding of policy's deductible requirements and any applicable exemptions, we recommend reviewing policy documentation.

Looking to learn more? Read our article A Guide to Filing Your APOLLO Tenant’s Insurance Claim

Student tenant insurance policies do not cover roommates. Each tenant will need their own insurance policy to cover their personal belongings and liability. It's important for each roommate to obtain their own policy to ensure they have proper coverage in the event of a loss. It's also a good idea for all roommates to be named on the lease and to communicate with each other about insurance coverage to avoid any confusion or gaps in coverage.

To learn more about getting tenant insurance in Canada, read our article Tenant Insurance: Average Cost in Canada.

Student Tenant policies are available for an entire term. Depending on your campus, you may have the option to select coverage for separate semesters. Your online application will outline the options available to you. Our team is happy to assist you should you wish to transfer your policy to a new location.

To learn more about APOLLO tenant insurance, read our article How to Get the Best Tenant Insurance in Vancouver.

Our policy covers loss to personal belongings of the insured due to fire, theft, vandalism etc. depending upon the type of coverage opted . Certain belongings are subject to limits. To keep the policy affordable, we've excluded high-cost coverages like Flood, Earthquake, and Sewer Backup.

To learn more about filing a claim with APOLLO, read our article 5 Tenant’s Insurance Claims Every Renter Should Know.

The building manager will automatically receive confirmation if they are in a partnership with us otherwise the documents will only go to the policyholder's email.

To learn more about tenant insurance, read our article Is Tenant Insurance Mandatory?

You can cancel your tenant policy anytime, but there may be some costs if you cancel it before the end of the term. We'll use the short rate cancellation table R7, which is included in your policy documents, to calculate refunds or outstanding balance. However, transaction fees will not be refunded.

Read our article Is It Possible to Cancel My Tenant Insurance Policy at Any Point? to learn more.

Student tenant insurance may not be legally required, but many landlords and schools require it as part of their lease agreement.

By having student tenant insurance, you can have peace of mind and be protected in case of damage to personal belongings, liability for injuries or damage caused, and additional living expenses if you need to temporarily relocate due to a covered event.

To learn about how tenant insurance can protect your belongings, read our article Does Renter’s Insurance Cover Water Damage?

Sorry, but we require all Student Tenant's Packages to be paid in full up front in one installment. These packages receive a special rating and cannot be split into multiple payments.

To learn more about tenant insurance coverages, read our article Does Renters Insurance Cover Fire?