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    How to Get the Best Tenant Insurance in Alberta

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    While tenant or renters’ insurance is not mandatory in Alberta, it is prudent to have this protective measure to safeguard your belongings and avoid potential liability. Moreover, some landlords may necessitate having tenant insurance as part of the lease agreement. So, how do you go about securing the best tenant insurance that adequately caters to your requirement? Read further to understand the process.


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    Understanding Tenant Insurance

    Tenant insurance provides protection against loss or damage to personal property within your rental unit arising from unforeseen circumstances like theft or incidents like fire and water damage. It also covers liability, providing financial protection if someone gets injured while in your unit or if you unintentionally cause damage to your neighbours’ properties.

    Steps to Get the Best Tenant Insurance in Alberta

    1. Determine Your Insurance Needs

    Start by taking inventory of your belongings to understand better the value of the assets you own and need to insure. Don’t underestimate how much your personal property is worth.

    2. Understand Different Coverage Types

    Tenant insurance offers three primary types of coverage:

    • Personal Property Coverage: Covers the cost of replacing your belongings in case of damage or theft.

    • Liability Coverage: Provides financial protection if you’re held legally accountable for damage to others’ property or for bodily harm caused to others in your home.

    • Additional Living Expenses: Covers temporary living costs if your rental unit becomes uninhabitable due to a covered loss.


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

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    3. Compare Quotes

    Compiling and assessing quotes from multiple insurance providers can help you determine which provides the best value. Keep in mind that the cheapest option may not always offer the required protection.

    4. Consider Policy Bundling

    If you need multiple types of insurance, such as auto and tenant insurance, it might be beneficial to bundle these policies with the same provider. Many insurance companies offer discounts for bundling policies.

    5. Read Policy Details Carefully

    Ensure to read through the policy carefully to understand what is covered and what exclusions might apply. It is important not to skim over the fine print as this may contain critical information.

    6. Maximize Your Coverage

    Depending on your needs, you may also want to consider additional endorsements or floaters for high-value items such as jewelry, collectibles, appliances, or electronics, which are usually covered up to a limit in a standard policy.

    APOLLO offers tenant insurance designed to protect renters across Canada. Get your free quote in less than a minute and we’ll email your unique 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 July 4, 2023, updated July 30, 2025

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