Contents
Simply put, Contents Insurance covers your personal belongings - the contents of your home. This helps pay for any loss or damage to your personal property, including if anything is stolen or damaged.
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Smart insurance for smarter tenants. Get no-nonsense coverage that's 25% cheaper than other providers, on average. Get a quote in less than a minute and save when you buy online.
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What's covered by Tenant Insurance?
Additional Living Expenses
Have you ever wondered what you would do if you couldn't live in your apartment due to an emergency? This coverage can help you pay for hotels and food if you are forced out of your home after a covered event.
Personal Liability
Accidents happen. And they can be costly. Personal Liability coverage protects you if you are held responsible for property damage or personal injury to others, at home or anywhere else.
Are you a full time student? We have a product specially designed for you! Check out our Student Tenant coverage.
Getting insured is as easy as 1 - 2 - 3
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.
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.
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.
How much is tenant insurance in Manitoba?
SAVE25%ON AVERAGE
Our tenant insurance costs 25% less than leading competitors, on average. You can customize your policy just how you like it so you're only paying for the coverage you need.
The cost of the policy depends on a few things, such as the address to be insured, the coverage limits and options you select. We offer the following coverage options:
Contents coverage options ranging from $10,000 to $150,000
Additional living expenses coverage options ranging from $5,000 to $30,000
Personal liability coverage of up to $2 million
Deductible options ranging from $500 to $2,500
Water damage and full replacement value extensions
Get a quote in less than a minute.
What address would you like to insure?
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What makes APOLLO the best choice for renters in Manitoba?
The simplest way to buy insurance
Our platform is designed to be the fastest and simplest way to buy tenant insurance. We make it easier than anyone else to get covered.
The best value for money
We provide the best value for your money, with more standard coverages built into one low price. Pay less for more coverage.
Easy online tools
Our Customer Portal makes it easy to manage your policy online, any time. You don't even need to register! Customer Portal Sign In
Great insurance advisors
If you need to speak to a person, you can contact one of our insurance advisors easily by phone, email or chat. We're here to help!
Fair, independent claims management
We work closely with independent, third party adjusters to ensure claims are handled fairly, ethically and transparently.
Top financial ratings
Our financial ratings really are top notch. We were rated A by AM BEST, A+ by Standard & Poor's, and AA- by Fitch.
What our customers say about us
Customer service is a huge part of the APOLLO story. Insurance is a relationship based on trust and we earn our clients' trust by providing the best products backed by world class service and support.
What if I need to make a claim?
If something happens and you need to use your tenant insurance, APOLLO makes it easy with a simple claims process that can be done online. Just let us know the details of the incident and we'll get started on doing our part to set things right — keeping you informed at every step of the way.
Frequently Asked Questions
What is tenant insurance and why is it important?
Most people are familiar with home insurance. Less familiar is Tenant Insurance (also known as renters insurance), which protects you if you're renting a residence. Renters Insurance is a requirement for many landlord-tenant lease agreements, but even if it's not, it's a good idea to have. It can end up saving you from covering the cost of replacing your valuable items in the event of a fire, theft, or flood.
Tenant Insurance can also help pay for the extra costs of having to live somewhere else if your residence becomes uninhabitable due to an insured loss. This can include the cost of lodging, such as temporary rent at a separate location, hotels, or Airbnbs, and can also help with other costs like restaurant meals and storage fees.
Although landlords likely have insurance of their own, your landlord's insurance typically only covers the building. This leaves your contents of your unit unprotected. Further, if you were found liable for damages to the building, your landlord's insurance company may come after you for the costs. Renters Insurance can aid you in both of these situations. Further, it can cover certain expenses that arise from an emergency. Read more about the benefits of Renters Insurance here.
Is tenant insurance mandatory in Manitoba?
While tenant insurance isn’t legally required in Manitoba, many landlords do require it as part of the lease agreement. Even if it’s not mandatory, having tenant insurance is a smart decision. It protects your personal belongings and provides crucial liability coverage, helping you avoid significant out-of-pocket expenses in the event of an unforeseen incident.
To learn more about this, read our article Canadian Renters 101: Understanding Manitoba Tenant Rights in 2024.
What does tenant insurance cover?
Tenant insurance offers comprehensive protection for renters, covering three main areas:
Personal Property: Safeguards your belongings against theft, fire, vandalism, and other covered perils.
Liability Protection: Covers legal costs and damages if someone is injured in your home or if you accidentally damage someone else's property.
Additional Living Expenses: Provides financial assistance for temporary housing if your rental home becomes uninhabitable due to a covered event.
APOLLO offers tailored coverage that fits your unique needs, ensuring peace of mind and financial security.
What is the average cost of tenant insurance in Manitoba?
The cost of tenant insurance in Manitoba varies based on several factors, including location, coverage amount, and deductible. For instance, someone living in the capital city of Winnipeg can expect to pay more than someone living in a smaller town like Steinbach, due to the higher cost of living and increased risk of theft of an urban area.
On average, you can expect to pay between $15 to $30 per month. APOLLO Insurance offers tenant insurance policies that are, on average, 25% cheaper than those of our competitors. We also offer a user-friendly online platform to help you find the perfect coverage at the right price. Get an instant quote today and see how affordable comprehensive protection can be.
What happens if you don’t have tenant insurance?
Without tenant insurance, you’re at risk of significant financial loss. If your personal belongings are damaged or stolen, you’ll have to cover the replacement costs out of pocket. Additionally, if you're held liable for someone getting injured in your home or you accidentally damage someone else's property, you could face significant out-of-pocket costs. Protect yourself from these risks with APOLLO Insurance, providing you with peace of mind and financial security.
For more information, read our article Can You Be Evicted for Not Having Renters Insurance in Ontario?
Does tenant insurance cover fire?
Yes, renter’s insurance covers fire. This is the case regardless of how the blaze was started, unless the fire was intentionally set by you.
Fire is one of the most common covered perils included in renter’s insurance. Also referred to as named perils, other examples are windstorms and hail, theft, and vandalism.
Find out more instances by reading out article Does Renters Insurance Cover Fire?
What is a certificate of insurance (COI)?
A COI is a statement of coverage that we provide to you. It’s a summary that verifies that your business is, in fact, insured. You may receive a request from a potential client for a COI as a condition of doing business with you. It’s simply proof that your business can cover the cost of a liability claim.
For more information, read our article Insurance 101: What Is a Certificate of Insurance?
What is personal liability coverage?
Liability insurance protects you if you are held responsible for causing property damage or bodily injuries to others while at home or away anywhere in the world. For example: If you hit a baseball out of a park onto the street, and it hits a child, or breaks a window. Or one of your guests slips and falls and has to take time off work due to injuries. Or, while on vacation, a bonfire gets out of control and damages someone’s property. Personal Liability would cover you in all these and similar events. To learn more, read our article The Importance of Personal Liability Insurance.
What is personal property coverage and how much of it do I need?
Also called contents Insurance, this protects the property you own that you could pack in a bag or put in a moving truck. Things like your clothing, electronics, furniture, etc. are covered while they’re on your property or in transit during a move. APOLLO offers personal property limits from $25,000 to $250,000. You should choose an amount that will be sufficient to replace all of your belongings with the new items. If your residence is ever burglarized or there is a fire, this policy will help replace the lost or damaged items with the new ones. Over the years we tend to accumulate a lot of little and big things. Majority of our clients in a two-bedroom condo choose the $50,000 coverage limit.
To learn more about this coverage, read our article What Kind of Insurance Protects the Things You Own?
What are additional living expenses?
This coverage protects against increased living expenses you may incur because your rented unit can’t be lived in. This could be a result of damage to your home from an insured loss or an order to evacuate your home as a result of a sudden, accidental event. For example, it can help cover expenses like a hotel room, storage costs, meals, laundry, transportation, and more if you can’t live in your condo while repairs are being made after an insured loss.
To learn more, read our article Why Additional Living Expenses Coverage is Essential.
Tenant Insurance & Lease Requirements in Manitoba
If you’re renting in Manitoba, you might be wondering whether tenant insurance is required by law. The short answer is no, but in today’s rental market, many landlords won’t hand over the keys without it.
Across the province, especially in Winnipeg and other growing urban centres, it’s become common for tenant insurance to be written into your lease. Whether you're moving into a condo, apartment, or basement suite, your landlord may require proof of coverage before move-in day.
What Landlords in Manitoba Typically Ask For
Most landlords want peace of mind that unexpected damage or liability won’t fall entirely on them. That’s why more and more are including insurance requirements in the lease.
You may be asked to provide:
Personal liability coverage in case someone gets hurt in your unit or causes damage to the building
Proof of insurance with your landlord listed as an “interested party” so they’re notified if your policy is cancelled
Coverage for your contents and extra living costs, since your landlord’s policy won’t cover your personal belongings or a hotel if your place becomes unliveable
Why Tenant Insurance Matters in Manitoba
Manitoba renters deal with some of Canada’s most dramatic seasonal shifts, with extremely cold winters with heavy snowfalls, spring floods, and summer storms that knock out power for days.
That’s where tenant insurance steps in:
It helps replace what’s damaged or stolen
It covers your stay somewhere else if your rental becomes uninhabitable
It protects you from legal costs if someone is injured in your space
In a province where weather is unpredictable and older homes are everywhere, tenant insurance is one of the smartest ways to protect your budget, and your peace of mind.
Extreme Weather Risks for Manitoba Renters
Deep Freezes and Frozen Pipes in Winnipeg Winters
When temperatures plunge below -40°C, even a well-maintained building can run into problems. Pipes burst. Furnaces fail. And you could be left without heat or water in the dead of winter.
With tenant insurance, you’re covered for:
Damaged belongings from water leaks or cold
Temporary housing if your unit becomes unlivable
Emergency costs while your rental is being repaired
Prairie Storms and Summer Wind Damage
Manitoba's flat landscape is the perfect stage for wild summer weather. Severe windstorms, hail, and lightning can knock out power, break windows, and damage homes across entire blocks.
Tenant insurance helps with:
Replacing damaged property, electronics, and furniture
Temporary stays if your building is affected
Cleanup costs if your unit is hit by wind or debris
Flooding Along the Red and Assiniboine Rivers
In years with heavy snow or fast thaws, rivers across Manitoba swell and spill into surrounding areas. Basement suites and ground-floor rentals are especially vulnerable to spring flooding.
Tenant insurance can help protect you with:
Optional flood and sewer backup coverage
Support for replacing water-logged items
Hotel stays while your space is repaired
Tenant Insurance in Action
Winnipeg Apartment Fire (2023)
A three-storey walk-up in St. Boniface caught fire after a space heater malfunctioned in the middle of winter. Dozens of renters were forced out, and several lost everything inside.
If you had tenant insurance:
Hotel or short-term rental while your unit was being repaired
Reimbursement for damaged belongings like furniture and electronics
Help with relocation if you needed to find a new place
Red River Flooding (2022)
An unusually fast spring thaw caused water levels to rise in southern Manitoba, spilling into basements and low-lying neighbourhoods. Tenants in basement suites and ground-floor apartments faced serious damage.
If you had tenant insurance:
Replacement for flood-damaged items like clothes, laptops, and bedding
Additional Living Expenses (ALE) if you had to leave temporarily
Optional flood and sewer backup coverage for full protection
Brandon Windstorm (2021)
A sudden summer storm ripped through town, taking out power for days and blowing debris into homes. Renters in older buildings were stuck without air conditioning, refrigeration, or safe access to their suites.
If you had tenant insurance:
Reimbursement for spoiled food or damaged appliances
A safe place to stay if your unit was uninhabitable
Coverage for damaged tenant-owned property, including cleanup
Spotlight on Manitoba’s Most Popular Neighbourhoods
Osborne Village, Winnipeg
Who lives here: Students, creatives, young professionals Rental types: Walk-ups, character homes, basement suites Risks: Fire, theft, older infrastructure
This vibrant neighbourhood is known for its artsy vibe and nightlife, but with aging buildings and high foot traffic, things can go wrong fast. Tenant insurance can help you recover from fire damage, cover stolen electronics, or pay for a hotel if your unit becomes unliveable.
St. Vital, Winnipeg
Who lives here: Families, newcomers, healthcare workers Rental types: Duplexes, townhomes, apartments Risks: Burst pipes, heavy snow, sewer backup
A quiet, residential area with lots of older homes, St. Vital renters often face issues tied to harsh winters and plumbing systems that can't keep up. Tenant insurance helps protect your belongings and ensures you're not left covering cleanup costs out of pocket.
Crescentwood, Winnipeg
Who lives here: Retirees, young couples, professionals Rental types: Upper-level suites, heritage homes, multi-unit houses Risks: Chimney fires, ice damming, water damage
Crescentwood is full of old style charm, but that also comes with old heating systems. When snow piles up and melts unevenly, water leaks and ceiling damage are common. Insurance helps with repairs and covers your stay elsewhere if your home needs time to dry out.
Downtown Brandon
Who lives here: Students, service workers, tradespeople Rental types: Apartments, basement units, converted homes Risks: Wind damage, outages, property loss
Brandon renters deal with unpredictable prairie weather, from sudden storms to lengthy outages. With tenant insurance, you’re covered if your fridge gives out, your window blows in, or you’re forced to leave your space for repairs.
The Maples, Winnipeg
Who lives here: Multigenerational families, newcomers, essential workers Rental types: Semi-detached homes, basement rentals, low-rise apartments Risks: Flooding, break-ins, structural issues
A mix of rental styles means a mix of risks, from spring floods in lower-level units to break-ins during long work hours. Tenant insurance provides peace of mind no matter your setup, covering your gear, your space, and your stay if you need to relocate.
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