Header bg
Apollo logo
Apollo logo mobile
  • Tenant Insurance
  • Student Tenant Insurance
  • Homeowner's Insurance
  • Condo and Townhouse Insurance
  • Landlord Insurance
  • Get A Quote
  • Get A Quote
  • section background

    Tenant Insurance, Floods, and Personal Liability

    Hero bg 2
    APOLLO_Blog-Image_2021-10-26@2x

    Floods can happen due to bad weather or accidents around the house. Maybe you did a DIY home project at the apartment you’re renting but accidentally hit a pipe. Suddenly, your apartment floods, causing harm to your furniture, the unit, and even others.

    Tenant or Renter’s Insurance is a great and affordable way to protect against the financial consequences of floods, especially when it leads to a lawsuit.

    This article explains how tenant insurance protects you from lawsuits that arise from at-home floods, whether it was your fault or an act of nature. It also discusses other ways tenants’ insurance can come in handy during a flood or other peril.

    Limited time offer: Get comprehensive Tenant Insurance starting at just $11/month

    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.

    Get a free quote

    4.6 rating

    Google Logo

    Personal liability and floods

    Tenant Insurance is a policy that protects tenants from various risks by covering expenses related to unfortunate circumstances.

    Additionally, personal liability coverage is financial protection against legal claims for injury or property damage when you’re legally responsible as a tenant. This coverage pays for legal fees, damage awards, and other expenses if someone sues you, so you won’t have to manage these costs out-of-pocket. Often, insurers may entirely step into your shoes and manage the whole litigation process on your behalf.

    Suppose your home faces a minor flood. If someone visits your place, slips on a wet floor, and injures themselves, they could have a legal claim against you for medical expenses, pain and suffering, and an inability to earn wages.

    Get a quote in less than a minute

    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.

    In another example, your apartment unit could flood due to a broken pipe. In this case, the flooding might not only damage your unit but damage the unit below you. This situation could lead to a lawsuit from whoever owns that apartment, leaving you with legal fees and bills for repairing their unit, as well.

    Renter’s Insurance won’t cover every flood, however. Below are some scenarios where you can’t claim Tenant insurance:

    • The flood occurs as a result of your business or professional activities. These claims require a business insurance policy.

    • You caused the flood intentionally

    • The harm or property damage is caused to you or residents of your apartment or housing unit

    Ultimately, Tenant Insurance may vary from insurer to insurer, and it’s best to read the details and speak with an insurance expert to understand the limits of your policy.

    Limited time offer: Get comprehensive Tenant Insurance starting at just $11/month

    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.

    What else does Tenant Insurance cover?

    In the personal liability capacity, renter’s insurance also covers perils aside from floods. Fires, break-ins, and bad weather are all unfortunate circumstances that can cause legal liability or other financial consequences.

    Tenant Insurance further covers the following risks:

    • Contents coverage: This protection compensates for the repair or replacement costs to items destroyed or stolen at your home. For example, if you face a flood and your furniture is ruined, contents coverage can provide enough to purchase replacement furniture.

    • Additional living expenses: This protection covers additional living or storage expenses if you temporarily can’t live in your apartment or house due to an unfortunate circumstance. Suppose a flood occurs and your landlord requires three weeks to repair the damage. During this time, you may need to check into a hotel or other short-term living accommodation, which is likely more expensive than your monthly rent. Additional living coverage can pay for these expenses and more.

    Related: Does Renter’s Insurance cover hotel stays

    Floods can cause significant legal liability for you, even if you’re only renting a house or apartment. But tenant insurance can mitigate the financial consequences by paying for legal fees and damage awards. Additionally, tenant insurance provides many other protections to make your renting life less worrisome.

    Get a quote in less than a minute

    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.

    Originally published October 28, 2021, updated September 5, 2023

    Back to APOLLO Magazine
    Share this article

    Limited time offer: Get comprehensive Tenant Insurance starting at just $11/month

    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.

    Limited time offer: Get comprehensive Tenant Insurance starting at just $11/month

    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.

    Relevant articles

    section background
    section background

    Getting insured is as easy as 1 - 2 - 3

    Tell us (very little) about yourself
    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.

    Pay online easily and securely
    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.

    Get your documents in your inbox - instantly
    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!

    Google Logo

    Reviews

    4.6 rating

    1,472 reviews

    view all

    Across Canada

    Contact Us
    Apollo logo

    © 2024 APOLLO Insurance Solutions Ltd.

    111 Water Street, Unit 210, Vancouver, British Columbia, V6B 1A7

    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

    Transparency and Disclosure: APOLLO Insurance Agency's role is to provide you with exceptional service and the best insurance products that suit your needs. As a licensed retail brokerage, our compensation is based on a commission basis already built into your insurance premium and varies based on the product purchased through our platform. For a description of how APOLLO Insurance Agency is compensated and how this is calculated, please refer to our Compensation Disclosure document. For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document.