Wondering how you can customize your tenant insurance policy? We’ve got you covered with everything you need to know.

Tenant insurance is an essential part of protecting your possessions. Anyone renting their house, apartment or condo needs tenant insurance to provide protection against any unforeseen loss or damage caused by disasters or theft. As a tenant, you should be aware of the many different ways in which you can customize your tenant insurance policy to best suit your needs. In this article, we will discuss some of the factors that need to be considered when customizing your policy as well as tips for finding the best coverage at the best price.

Factors to Consider when Customizing Your Policy

When customizing your tenant insurance policy, there are a number of factors to consider. Let’s take a look.

Types of coverage available

Different types of coverage are an important factor to consider when customizing your tenant insurance policy. Each type of coverage offers varying levels of protection and different deductibles, so it is important to choose the right level for your needs and budget.

  • Liability coverage covers any damages or injuries to third-party property unintentionally caused by you as a tenant, such as a guest slipping on a spilled drink.
  • Property coverage protects your belongings from damage or theft.
  • Additional Living Expenses coverage can protect you from having to pay out of pocket for any hotel rooms or food should your unit become uninhabitable due to an insured loss.
  • Enhanced Water Coverage protects you from additional water damage peril that most tenant insurance policies don’t cover, such as sewer backup and/or flood.


When customizing your tenant insurance policy, it’s important to consider the risks associated with your geographical location, as this can have an impact on the cost of coverage and the types of coverages that may be available.

Additional coverage

When considering a tenant insurance policy, it is important to also consider the potential need for additional coverage for valuable items such as art, antiques, or jewelry in order to ensure that they are adequately protected in the event of any unexpected occurrences.

The length of the policy

When purchasing a tenant insurance policy, it is important to consider the length of the policy. APOLLO offers a discount for those paying annually for their tenant insurance policy rather than breaking payments up into monthly installments.


Cost is always a factor when it comes to tenant insurance. Premiums are based on the value of your belongings, the location of your property, and other factors such as deductibles and the limits you select. It’s important to compare rates from several different providers in order to find the best coverage at the most competitive price. It’s also important to remember that an affordable policy may not provide sufficient coverage for all of your needs.

APOLLO offers customizable tenant insurance, so you only have to pay for the insurance you need. Get a free quote in less than a minute and have your policy documents emailed directly to you.