Why You Shouldn’t Rely on Your Landlord’s Insurance

When you’re renting your home, it’s easy to assume your landlord’s insurance has you covered. After all, they own the property, right? Unfortunately, that’s not how it works. While your landlord’s insurance protects the building itself, it doesn’t extend to your personal belongings—or your liability. Here’s why relying solely on your landlord’s insurance could leave you unprotected and why tenant insurance is a smart investment for peace of mind.

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1. Your Belongings Aren’t Covered

Your landlord’s policy is designed to protect their property, not yours. If your personal belongings are damaged in a fire, flood, or another covered event, your landlord’s insurance won’t replace them. Whether it’s your furniture, electronics, or wardrobe, you’re responsible for protecting your possessions.

With tenant insurance, you can ensure your belongings are covered against unexpected risks. Policies from APOLLO offer affordable protection for the things that matter most.

2. Liability Risks Are on You

Accidents happen, and if someone gets injured in your home, you could be held liable. For example, if a guest trips on your rug or slips in your bathroom, you could be responsible for their medical expenses. Without tenant insurance, you’d have to pay these costs out of pocket.

3. Landlords Aren’t Responsible for Temporary Living Costs

Imagine a burst pipe makes your home unlivable. While your landlord’s insurance will cover the repairs to the property, it won’t pay for your temporary housing. Tenant insurance from APOLLO, on the other hand, includes coverage for additional living expenses (ALE), which can cover the cost of a hotel, meals, and other expenses while your home is being repaired.

 4. Weather Events Could Leave You Vulnerable

Severe weather is becoming more frequent, and your landlord’s policy won’t protect you from losses caused by damage to your personal property. From flooding to windstorms, tenant insurance ensures you’re prepared for the unexpected.

5. It’s Affordable and Easy to Get

One of the biggest misconceptions about tenant insurance is that it’s expensive. In reality, it’s one of the most cost-effective ways to protect yourself. 

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

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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