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How to Get Renters Insurance for a House

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What does it mean when a house is vacant

Renters insurance is a critical component of any rental agreement. It provides tenants with financial protection in case of damage or loss of personal belongings due to fire, theft or vandalism. Additionally, it can cover liability costs if someone gets injured within the rental home. Now, if you’re wondering how to acquire renters insurance for your rental house, we’ve got you covered.


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What is Renters Insurance?

Renters insurance is a type of insurance coverage that is designed to protect tenants from financial loss related to unexpected events. It typically includes coverage for:

  • Personal property

  • Liability

  • Additional living expenses

Why It’s Important

There are myriad of reasons as to why renters insurance is important. Here are a few:

  • Protects your belongings: your personal items are covered if they’re damaged or lost during unexpected circumstances.

  • Liability coverage: if someone gets injured in your rental house, your renters insurance can help cover the medical and legal costs.

  • Living expenses: If your rented house becomes uninhabitable due to damage, your insurance can help cover the costs.


APOLLO offers tenant insurance starting at just $11/month.

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Step-by-step Guide: How to Get Renters Insurance for a House

Now let’s take you through the process of acquiring renters insurance.

Step 1: Inventory Your Belongings

Before you speak with an insurance company, it’s useful to compile a list of all the personal belongings you’d like to insure. Make sure to include their current value and replacement costs.

Step 2: Shop Around for the Best Coverage

Consider multiple insurance providers to ensure you’re getting the best deal possible. While cost is important, also look at what each policy covers to make sure your needs will be met.

Step 3: Read the Renters Insurance Quote Carefully

Once you’ve narrowed down your options, take time to carefully read through the insurance quote. Pay attention to your coverage limits, deductibles and any exclusions.

Step 4: Purchase Your Policy

Once you’ve found the policy that’s best for you, it’s time to make the purchase. This can typically be done online or over the phone.

Step 5: Review Your Policy Each Year

Insurance needs might change over time, so it’s crucial to review your policy each year to ensure it’s still the best option for you.

APOLLO is Canada’s leading provider of tenant insurance, designed specifically for renters and customizable to your lifestyle. Get your free quote in less than a minute and we’ll send your policy documents right to your inbox.


APOLLO Has You Covered

Get the protection you need in minutes with custom Tenant Insurance from APOLLO.

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Originally published June 28, 2023, updated August 9, 2024

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