How to Get the Best Renters Insurance in Calgary

As a renter in Calgary, it’s important to protect your valuable possessions with renters insurance. Finding the right renters insurance policy can be challenging, but with the right steps, you can get the best renters insurance in Calgary with the coverage you need.

Here’s what you need to know:

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Assess Your Coverage Needs

Firstly, determine how much coverage you need based on your lifestyle and the value of the items you’re insuring. Make a comprehensive list of all the items you want to protect and their estimated value. Knowing what you want to be covered will help you tailor your policy and avoid overpaying.

Research Insurance Providers

You can shop around online to get quotes from different insurance providers in Calgary. Don’t let the price of the policy be the main determining factor when choosing an insurer. Consider their reputation, customer service quality, coverage limits, deductibles, and endorsements. This way, you can be confident that you’re making an informed decision with the right balance of cost and coverage.

Check for Discounts

Don’t forget to ask your insurer about discounts and any other cost-saving options. For example, some insurance companies offer a discount on your policy if you bundle your renter’s insurance with your auto insurance policy. Others offer safe tenant discounts, group discounts, or alumni discounts.

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Understand Your Coverage

It pays to read and understand your policy’s terms, conditions, and limitations. Make sure you know what you’re covered for, and if your policy covers replacement costs, or actual cash value. Find out what events and scenarios that are covered under your policy, including natural disasters or theft. Understanding your coverage helps you know what to expect from your insurance provider in the event of a covered loss.

Check for Add-on Coverage

Ask the insurance provider if they offer any optional add-on coverage that may be beneficial to your specific needs. For example, if you have expensive jewelry or other valuable items, you may consider adding a rider to your policy. You could also consider a broader policy that covers additional scenarios beyond the standard coverage.

Consider Liability Coverage

In addition to protecting your belongings, a standard renters insurance policy should also provide liability coverage. This coverage protects you from financial losses if you cause damages to other people’s property or bodily injury.

APOLLO provides affordable, comprehensive tenant insurance plans for renters in Calgary and across Canada. Get your free quote in less than a minute and we’ll send your policy documents right to your inbox.

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.

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