Header bg
Hero bg 2

Student Tenant Insurance

Varsity Communities has partnered with APOLLO to create a simple, customized policy specifically for Varsity residents. Save money - only pay for the coverage you need.

Get covered in less than a minute. Seriously.

Get Covered
LP Tenant Insurance Hero
Varsity+Communities

Why has Varsity partnered with APOLLO?

Whether it’s your first year away from home or you are further along your educational journey, Student Tenant Insurance can save you from unexpected expenses and protect your personal possessions. Varsity Student Living has partnered with APOLLO to create a unique package customized just for Varsity residents, so you can be sure you are getting the coverage you need at the best price.

What's covered by Student Tenant Insurance?

As a student, you have unique insurance requirements that are different from the needs of other renters and homeowners. That's why we've tailored our Student Tenant Insurance coverage for students like you. We worked with residence administrators from many of Canada's top schools to create a package tailored just for you.

Home Office Icon

Contents

Simply put, Contents Insurance covers your personal belongings - the contents of your apartment. This helps pay for any loss or damage to your personal property, including if anything is stolen or damaged.

Additional Living Expenses Icon

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 Icon

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.

How much will the customized Student Tenant Insurance package cost me?

FROM$11MONTHLY

Our Varsity Student Living package starts at just $11/month. We’ve worked together to create a package just for you to make getting covered even easier.

Get covered in less than a minute. Seriously.

School Icon
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.

Why choose APOLLO?

The simplest way to buy insurance

The simplest way to buy insurance

Our platform is designed to be the fastest and simplest way to buy insurance. We make it easier than anyone else to get covered.

The best value for money

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

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

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

Fair, independent claims management

We work closely with independent, third party adjusters to ensure claims are handled fairly, ethically and transparently.

Top financial ratings

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.

Claim Background Desktop
Claims Background Mobile

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.

Our simple online claims process

section background
section background

Frequently Asked Questions

Tenant insurance provides protection for a wide range of risks that a tenant may face, but there are certain things that are typically not covered by this type of insurance. These may include:

  • Damage caused by certain natural disasters: Depending on the policy, damage caused by certain natural disasters such as earthquakes or flooding may not be covered.

  • Damage caused by your own negligence: If your child causes damage to the rental property due to their own negligence, such as leaving the stove on and causing a fire, the tenant insurance policy may not cover the damages.

  • High-value items: The policy may have coverage limits for certain high-value items, such as jewelry or artwork. If the value of these items exceeds the policy limit, you may need to purchase additional coverage.

  • Illegal activities: If damage or loss is caused as a result of illegal activities conducted in the rental unit, the insurance policy may not cover the damages.

It's important to review the insurance policy document carefully to understand exactly what is and isn't covered.

If you decide to move, we can help transfer the Student Tenant's policy to cover the new location. This policy is specifically designed for students, whether they live on or off campus.

To learn more about changing your address, read our article APOLLO Tenant Insurance Login.

As a student living away from home, it's important to protect your personal belongings in case of unexpected events. Student tenant insurance can cover your belongings in the event of covered losses like theft, fire, water damage, and more.

However, there may be special limits on certain contents, such as jewelry, and a deductible that needs to be paid before coverage kicks in. We recommend reviewing your policy carefully to ensure that you understand your coverage and any limitations that may apply.

To learn more about how APOLLO compares to competitors, read our article Finding the Best Tenant Insurance: APOLLO vs. CAA.

If you experience a covered loss and need to make a claim on your insurance policy, you may be required to pay a deductible. The amount of the deductible will be shown on the Declaration page of your policy and will typically be subtracted from the total amount of your covered loss. This means that we will only pay the portion of the covered loss that exceeds the deductible.

However, some special coverages under the Tenant's package may not require a deductible. For example, certain coverages such as lock replacement, freezer food spoilage, and fire department charges may be exempt from the deductible requirement.

To ensure that you have a clear understanding of policy's deductible requirements and any applicable exemptions, we recommend reviewing policy documentation.

Looking to learn more? Read our article A Guide to Filing Your APOLLO Tenant’s Insurance Claim

Student tenant insurance policies do not cover roommates. Each tenant will need their own insurance policy to cover their personal belongings and liability. It's important for each roommate to obtain their own policy to ensure they have proper coverage in the event of a loss. It's also a good idea for all roommates to be named on the lease and to communicate with each other about insurance coverage to avoid any confusion or gaps in coverage.

To learn more about getting tenant insurance in Canada, read our article Tenant Insurance: Average Cost in Canada.

Student Tenant policies are available for an entire term. Depending on your campus, you may have the option to select coverage for separate semesters. Your online application will outline the options available to you. Our team is happy to assist you should you wish to transfer your policy to a new location.

To learn more about APOLLO tenant insurance, read our article How to Get the Best Tenant Insurance in Vancouver.

Our policy covers loss to personal belongings of the insured due to fire, theft, vandalism etc. depending upon the type of coverage opted . Certain belongings are subject to limits. To keep the policy affordable, we've excluded high-cost coverages like Flood, Earthquake, and Sewer Backup.

To learn more about filing a claim with APOLLO, read our article 5 Tenant’s Insurance Claims Every Renter Should Know.

The building manager will automatically receive confirmation if they are in a partnership with us otherwise the documents will only go to the policyholder's email.

To learn more about tenant insurance, read our article Is Tenant Insurance Mandatory?

You can cancel your tenant policy anytime, but there may be some costs if you cancel it before the end of the term. We'll use the short rate cancellation table R7, which is included in your policy documents, to calculate refunds or outstanding balance. However, transaction fees will not be refunded.

Read our article Is It Possible to Cancel My Tenant Insurance Policy at Any Point? to learn more.

Student tenant insurance may not be legally required, but many landlords and schools require it as part of their lease agreement.

By having student tenant insurance, you can have peace of mind and be protected in case of damage to personal belongings, liability for injuries or damage caused, and additional living expenses if you need to temporarily relocate due to a covered event.

To learn about how tenant insurance can protect your belongings, read our article Does Renter’s Insurance Cover Water Damage?

Sorry, but we require all Student Tenant's Packages to be paid in full up front in one installment. These packages receive a special rating and cannot be split into multiple payments.

To learn more about tenant insurance coverages, read our article Does Renters Insurance Cover Fire?

Will parents' insurance cover a student living away from home?
section background
section background

Ready to Get Covered?

We’ve provided more than 1,000,000 quotes to Canadians just like you. Give it a try!

Which residence community are you going to live in?

Apollo logo

© 2023 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.