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    What’s Included in a Basic Tenant Insurance Policy?

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    canada tenant insurance

    When you rent a home or apartment, it’s important that you have your own tenant insurance policy to protect yourself from unexpected events. But, what exactly is included in a basic tenant insurance policy? Here are the main types of coverage you can expect:

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    Personal Property Coverage

    Tenant insurance policies are designed to cover your personal property. This typically includes furniture, electronics, clothing, and other belongings you own. If any of these items are damaged or stolen due to a covered peril, your policy will reimburse you for the cost of repair or replacement.

    Liability Coverage

    Liability coverage is a common feature in tenant insurance policies. This coverage protects you from having to pay for damages or injuries your guests may sustain while in your rented property. Suppose, for example, that someone falls down the stairs in your apartment. In that case, your tenant insurance policy helps protect you from having to pay for that person’s medical expenses or any ensuing lawsuits.

    Additional Living Expenses Coverage

    If your rented property becomes uninhabitable due to a covered cause, you may need to relocate temporarily while it’s being repaired. Tenant insurance policies often offer additional living expenses coverage, helping you pay for temporary housing and living expenses. For example, if a fire causes so much damage to your apartment that you need to live elsewhere temporarily, your tenant insurance policy helps cover the cost of your hotel stay and additional expenses.

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    Deductible

    Most tenant insurance policies come with a deductible. This means that you will be responsible for paying a specific amount out of pocket before insurance kicks in. The amount of the deductible can be adjusted to affect the overall cost of your tenant insurance policy.

    APOLLO is Canada’s leading provider of tenant insurance, designed specifically for renters and customizable to your lifestyle. Get your free quote in less than a minute and we’ll send your policy documents right to your inbox. Discover the importance of tenants insurance in Canada and why it is recommended for most renters.

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    Originally published August 22, 2023, updated August 9, 2024

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