The Benefits of a Tenant Insurance Policy with Water Damage Coverage

Water damage is not just one of the most common risks renters face, it's also one of the most costly. Fortunately, with the right tenant insurance policy, a situation like this doesn’t have to be a financial disaster.

Here’s why extended water damage coverage is one of the smartest add-ons you can include in your tenant insurance policy, and how easy it is to add it with APOLLO. Here’s what it covers, why it matters, and how to add it in just a few clicks.

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1. Why Water Damage Coverage Matters

Water damage is one of the most common tenant insurance claims made by renters. That’s because it can happen in so many ways:

• A burst pipe inside your wall

• A neighbour’s appliance overflowing

• Heavy rainfall flooding the basement

• A sewer backup pushing water the wrong way

And when it happens, your landlord's insurance won’t cover your damaged items or pay for your hotel while repairs are done. That's where your own policy comes in.

2. What Enhanced Water Coverage Adds

Every APOLLO tenant insurance policy includes basic water protection. This covers damage caused by a burst pipe, which is a great starting point. Enhanced Water Coverage protects your belongings in two additional situations:

• Sewer backup, where water or waste pushes up through drains and damages your unit

• Flood damage, caused by rising water from rainfall, melting snow, or overflowing lakes and rivers

These events can cause major damage, and they’re not covered under standard water protection. With this upgrade, you’re covered for a much wider range of water-related risks—especially the ones that are harder to predict.

3. How to Add Enhanced Water Coverage to Your APOLLO Policy

Adding Enhanced Water Coverage is fast, simple, and completely online. You can do it anytime through the APOLLO customer portal.

Here’s how:

1. Log into the Customer Portal

2. Click Policy Details on the left-hand side

3. Select Modify Coverage

4. Find the Enhanced Water Coverage section

5. Click Upgrade Water Coverage and confirm your changes

Your new coverage takes effect right away. You’ll see updated documents in your portal as soon as the change is complete.

4. Protection For More Than Your Things

This coverage isn’t just about replacing wet furniture or electronics. If a sewer backup or flood makes your home temporarily unlivable, your policy can help pay for:

• Hotel stays or short-term rentals

• Meals and daily expenses while you’re displaced

• Storage for any items that were spared

So you're not just protecting your things—you’re protecting your routine, your comfort, and your ability to move forward without a massive financial setback.

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

Looking to learn more about tenant insurance and water coverage? Read our article How Tenant Insurance Protects Against Floods, Rain, and Wind for more information.

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.

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