Three Real-Life Fire Incidents That Highlight the Importance of Tenant Insurance

At APOLLO Insurance, we understand that life can throw some unexpected curveballs. That’s why our tenant insurance policies are designed to offer more than just peace of mind—they’re here to help you recover when the unthinkable happens. In this article, we’re sharing real-life stories of how our policies have stepped in when things went sideways.

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Example #1: Fire and Water Loss in a High Rise in Greater Vancouver

A night of cooking turned chaotic when a pan caught fire, triggering the building’s sprinkler system. While the fire was quickly contained, the water from the sprinklers caused widespread damage. They have been paid out over $200,000 in liability coverage, which covers damages to the building and neighbouring units, as well as approximately $20,000 in personal property coverage, which covered the tenant’s personal belongings damaged by water. The costs have been accurately split between property and liability, ensuring all damages are being addressed. 

Example #2: Fire Loss in Rural Ontario

A tenant in a detached house in rural Ontario, had a candle burning when a fire broke out, causing extensive damage to the rental unit. When a fire occurs and the cause is uncertain, the stakes can be high—especially if a landlord seeks to hold the tenant liable for damages. This is where APOLLO steps in. The liability portion of the tenant’s policy covers not only damages but also legal defense costs, protecting the insured from financial strain in cases like this. The Insurer paid out over $350,000 in legal costs and indemnity for property damage and over $80,000 in personal property damage. 

Example #3: House Fire in Calgary, AB

A fire broke out in the laundry unit, spreading quickly and causing extensive damage including the ceiling collapsing. The incident left the tenant with significant damage to their property. They were paid out over $100,000 in personal property coverage, which covered the tenant’s belongings, including damaged furniture, clothing, and electronics. The claim has been processed efficiently, and the tenant is on the path to financial recovery.

Why These Stories Matter

These real-life examples show just how important it is to have the right insurance coverage in place. From fire damage to unexpected water disasters, the costs can quickly add up—often far beyond what many might expect. Without adequate coverage limits, you could find yourself paying out of pocket for expensive repairs or replacements.

That’s why it’s crucial to regularly review your tenant insurance policy to ensure it meets your needs. At APOLLO, we offer flexible coverage options so you can tailor your policy to protect what matters most.

APOLLO Makes It Easy

Whether you’re dealing with a current loss or just want to be prepared for the future, APOLLO’s simple online platform makes it easy to file a claim and get the support you deserve.

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