How to Get Tenant Insurance in Alberta
Tenant insurance, also known as renter’s insurance, is a crucial yet often overlooked aspect of renting a home. As a renter in Alberta, it’s essential to protect your personal belongings and safeguard yourself against potential liabilities. In this article, we will guide you through the process of obtaining tenant insurance in Alberta and provide tips on choosing the right coverage for your needs.
Need Tenant Insurance?
Why Tenant Insurance is Necessary in Alberta
Tenant insurance offers several benefits for renters, including:
Protecting personal belongings: Tenant insurance covers your possessions against potential losses due to theft, fire, water damage, or other unforeseen events.
Liability coverage: If someone gets injured on your rented property or you accidentally cause damage to someone else’s property, liability coverage can protect you from financial losses.
Additional living expenses coverage: In case your rental property becomes uninhabitable due to a covered event, tenant insurance can help cover the costs of temporary relocation.
Peace of mind: With tenant insurance, you can have peace of mind knowing that you’re protected against potential financial setbacks.
Understanding Tenant Insurance Coverage
Tenant insurance typically covers three main areas:
Personal property coverage: This covers your belongings, either at replacement cost (the cost to replace the item with a new one) or actual cash value (the item’s current value, considering depreciation). It’s important to choose the right coverage option based on your needs.
Liability coverage: This protects you from financial losses due to medical payments or legal expenses arising from injuries or property damage caused by you or your family members.
Additional living expenses coverage: If a covered event forces you to temporarily relocate, this coverage can help pay for your additional living expenses, such as hotel stays and meals.
APOLLO offers tenant insurance starting at just $11/month.
Get the protection you need in minutes with custom Tenant Insurance from APOLLO.
Factors Affecting Tenant Insurance Premiums
Several factors can influence the cost of your tenant insurance premiums:
Location of the rental property
Type and size of the rental property
Amount of coverage needed
Deductibles
Discounts and bundling options
How to Choose the Right Tenant Insurance Provider
To find the best tenant insurance provider for your needs, consider the following:
Research and compare insurance providers
Read customer reviews and testimonials
Seek recommendations from friends and family
Check for financial stability and reputation
Need Tenant Insurance?
Steps to Get Tenant Insurance in Alberta
Follow these steps to obtain tenant insurance in Alberta:
Assess your coverage needs: Make an inventory of your personal belongings and determine the amount of liability coverage you require.
Obtain quotes from multiple insurance providers: Compare coverage options and premiums to find the best fit for your needs.
Choose the right coverage and provider: Consider factors such as customer service, claim processing, and overall reputation when making your decision.
Complete the application process: Provide the necessary documentation and information to your chosen insurance provider.
Review and finalize the policy: Ensure you understand the policy terms and conditions, and make any necessary adjustments before finalizing your coverage.
Tips for Saving on Tenant Insurance
To save on your tenant insurance premiums, consider the following:
Increase your deductible
Bundle insurance policies
Install safety and security devices
Maintain a good credit score
Ask for discounts
APOLLO offers tenant insurance policies designed to protect renters’ unique needs. Get a free quote in less than a minute and we’ll send you your policy documents via email.
APOLLO Has You Covered
Get the protection you need in minutes with custom Tenant Insurance from APOLLO.
Originally published June 16, 2023, updated July 30, 2025
Back to APOLLO MagazineGet a quote 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
4.7 rating
Get a quote 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
4.7 rating
Relevant articles
Getting insured is as easy as 1 - 2 - 3
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.
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.
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!