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    What Does Tenant Insurance Cover in Ontario

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    For those who rent a house or apartment in Ontario, tenant insurance, also referred to as renter's insurance, is an essential kind of protection. Even though it's not required by law, a lot of landlords and property management firms now ask to see proof of tenant insurance prior to a renter signing a lease. In the event of unanticipated circumstances, this kind of insurance covers additional living expenses, liability, and personal belongings. We will discuss the many facets of Ontario's tenant insurance coverage in this post, along with the reasons renting requires it.


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    Personal Belongings Coverage

    Protecting your personal items against theft, fire, water damage, and other unforeseen catastrophes is one of the main goals of renter insurance. Tenant insurance in Ontario normally covers the following categories of personal property:

    • Furniture

    • Electronics (e.g., computers, televisions)

    • Clothing

    • Appliances

    • Jewelry (up to a certain limit)

    • Sporting equipment

    It's important to remember that there will be coverage limitations and that additional coverage can be needed for valuable things. To fully grasp the details of what is covered and any exclusions that may apply, make sure you carefully read your policy.

    Liability Coverage

    Additionally, liability coverage from tenant insurance shields you in the event that someone is hurt on your rented property or that you inadvertently cause damage to someone else's property. For instance, your liability insurance can assist in paying for a visitor's medical bills and legal costs should they choose to file a lawsuit if they trip and fall within your flat. In a similar vein, your liability insurance may assist with the cost of repairs if you unintentionally let your neighbor's apartment sustain water damage.Depending on the policy, liability coverage in Ontario normally varies from $1 million to $2 million. Selecting the right coverage amount depends on your demands and possible dangers.


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    Additional Living Expenses Coverage

    Another vital aspect of tenant insurance in Ontario is additional living expenses (ALE) coverage. If your rented home becomes uninhabitable due to a covered event, such as a fire or flood, ALE coverage can help with temporary accommodation and related expenses, including:

    • Hotel or rental accommodation costs

    • Additional food expenses

    • Moving and storage expenses

    • Laundry expenses

    The duration and amount of ALE coverage will vary depending on your policy, so it’s essential to review the specifics to ensure you have adequate protection.

    Optional Coverages

    Some tenant insurance policies in Ontario also offer optional coverages for added protection. These may include:

    • Sewer backup coverage: This provides protection in case of damage caused by sewer backup or water seepage into your rented home.

    • Identity theft coverage: This can help cover expenses related to restoring your identity and repairing your credit after an identity theft incident.

    • Earthquake coverage: While not common in Ontario, this optional coverage can protect your belongings in case of an earthquake.

    APOLLO offers effortless tenant insurance to protect renters in Ontario and across Canada. Get a free quote in less than a minute and we’ll send your policy documents directly to your inbox.


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    Originally published June 16, 2023, updated March 6, 2024

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    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.

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