Header bg
  • section background

    Does Renter’s Insurance Cover Stolen Packages?

    Hero bg 2
    does renters insurance cover stolen packages Canada

    When you live in an apartment building or rental, mail is often left unattended. Find out what’s covered if your packages are stolen.

    As a renter, it’s common to have larger parcels delivered to your lobby, left outside of your door, or placed on your porch. Unfortunately, this can leave plenty of opportunity for someone to steal your mail or packages.

    With renter’s insurance, you’re financially protected for a variety of accidents and theft. So, you may be wondering if your policy also covers stolen items that haven’t quite made it inside your unit or rental home yet.

    Read on to learn if insurance for renters offers coverage of stolen packages.

    Get Tenant Insurance in less than a minute

    Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

    Get a free quote

    4.6 rating

    Google Logo

    Does Renter’s Insurance Cover Theft?

    In most cases, yes! Your renter’s insurance will likely provide coverage of parcels that were stolen from your building or front door.

    For example, APOLLO’s Renter’s Insurance covers you if someone steals your packages after delivery but before you receive them. So, if you’ve ordered a new television from Amazon, and it gets stolen from your lobby or doorstep, you can submit a claim. This can help protect you from having to pay out-of-pocket to replace expensive items like this.

    You may also be interested in the following articles about renter’s insurance coverage:

    What Else Is Covered by Renter’s Insurance?

    Renter’s insurance covers more than just stolen packages. With APOLLO’s Renter’s Insurance, you also have:

    • Personal Property Coverage: Our renter’s insurance protects your personal belongings no matter where they are. Whether they’re in your home, in your car, or with you on vacation, APOLLO’s policy covers your clothing, furniture, and portable electronics. This coverage also includes other items that you may keep on the premises like your bicycle, e-bikes, jewellery, motorized scooters, and more.

    • Personal Liability Coverage: Accidents happen. Our renter’s insurance protects you if you accidentally injure someone or damage their property. For example, if your dishwasher overflows and floods the apartment below, you could be sued for the damage caused. Personal liability coverage helps cover the cost of these types of expenses.

    • Additional Living Expenses: ​​If your home becomes damaged after a loss, and you’re unable to stay there, additional living expenses can cover the extra costs. For example, it includes the cost of temporary accommodation while your home is being repaired.

    You can also opt for Special Limits and Additional Coverage. This can help you tailor your policy to your unique needs. For example, you could choose to increase your computer or jewellery coverage. Or you could add coverage for credit card forgery.

    Get comprehensive Tenant Insurance for what matters

    Get no-nonsense coverage that's the best value for your money. Purchase in less than a minute, receive your policy instantly, and save when you buy online.

    What’s Not Covered by Renter’s Insurance?

    Coverage that is commonly not provided by renter’s or tenant’s insurance includes:

    These are separate policies that you would need to acquire in addition to renter’s insurance. However, if you’re renting your home, you likely won’t need home insurance! That is, unless you also own a separate house or condo.

    What to Do If Your Package Is Stolen?

    In order to receive payment for your stolen deliveries, you’ll need to file a claim with your insurance company.

    Here are two important steps to take if someone steals your mail:

    Step 1: Report your stolen items or file a police report.Step 2: Submit your insurance claim to your provider.

    How to file your claim

    1. Create a report

    Put together a detailed report as soon as possible. Consider including the following information:

    • An account of the incident, such as where your package was stolen from

    • Details of what was stolen, including where you purchased it from and the value

    • Any receipts if you had to replace the stolen item(s) immediately

    Get Tenant Insurance in less than a minute

    Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

    2. Work with an advisor

    Contact your insurance provider and give them the details of the incident, including the report you created. You may also be asked to fill out a Schedule of Loss. This document requires you to list out what’s been taken or damaged.

    In the case of a stolen package, you would provide the details of:

    • What was in the parcel or package

    • Where you bought the item(s) from

    • The amount you paid for the item(s)

    Related: How does renters insurance claim work

    3. Finalize your claim

    Lastly, you’ll work with your advisor to confirm the replacement estimation of your stolen package. This is an important step in order to receive payment for your claim.

    APOLLO’s Effortless Claims Process

    As one of Canada’s leading InsurTechs, APOLLO is on a mission to make insurance effortless. We believe in an insurance process in which computers do the work, so that people can build relationships.

    Our advisors are with you throughout your insurance journey, including making a claim.Here’s how the process works:

    Step 1: Event Documentation

    Create your report with as many details about the loss as you can. This should include the time it occurred, what was damaged, the cause, and how to prevent further damage.

    Step 2: APOLLO Support

    Contact us and share your event documentation with our Agency Team by telephone or email at: service@apollocover.com.

    Step 3: Claims Submission

    APOLLO will submit this information over to our insurance adjusters to open the claim notice, and we will remain actively involved to advocate for you and your claim.

    Get comprehensive Tenant Insurance for what matters

    Get no-nonsense coverage that's the best value for your money. Purchase in less than a minute, receive your policy instantly, and save when you buy online.

    Originally published August 1, 2022, updated September 5, 2023

    Back to APOLLO Magazine
    Share this article

    Get Tenant Insurance in less than a minute

    Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

    Get Tenant Insurance in less than a minute

    Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

    Relevant articles

    section background
    section background

    Getting insured is as easy as 1 - 2 - 3

    Tell us (very little) about yourself
    1

    Tell us (very little) about yourself

    Just tell us your address, your name, email and phone number. And that's it. We'll give you a price in less than a minute.

    Pay online easily and securely
    2

    Pay online easily and securely

    You can choose to pay monthly or save money by paying for the entire year in one easy payment.

    Get your documents in your inbox - instantly
    3

    Get your documents in your inbox - instantly

    As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.

    Get covered today - it couldn’t be easier

    We’ve provided more than 1,000,000 quotes to Canadians just like you. Give it a try!

    Google Logo

    Reviews

    4.6 rating

    1,556 reviews

    view all

    Across Canada

    Contact Us
    Apollo logo

    © 2024 APOLLO Insurance Solutions Ltd.

    111 Water Street, Unit 210, Vancouver, British Columbia, V6B 1A7

    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

    Transparency and Disclosure: APOLLO Insurance Agency's role is to provide you with exceptional service and the best insurance products that suit your needs. As a licensed retail brokerage, our compensation is based on a commission basis already built into your insurance premium and varies based on the product purchased through our platform. For a description of how APOLLO Insurance Agency is compensated and how this is calculated, please refer to our Compensation Disclosure document. For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document.