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.
Student Tenant Insurance
You've got enough on your mind with school and everything else - we've got you covered for Student Tenant insurance. Get a quote on a policy customized just for students in less than a minute and save.
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What is Student Tenant Insurance?
Full time students have unique concerns and needs when it comes to Tenant Insurance. 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. We've partnered with some of Canada's top schools to create unique packages customized just for students, so you can be sure you are getting the coverage you need at the best price.
Student Tenant Insurance ⎯ also known as student renters insurance, or student content insurance ⎯ is essential for any full time student who rents their living space. Unlike landlord's insurance, which covers the building itself, Student Tenant Insurance covers your personal property, liability, and additional living expenses if you're forced to temporarily relocate due to a covered event.
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.
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 not a full time student? We have a product specially designed for tenants! Check out our Tenant Insurance coverage.
How much will Student Tenant Insurance cost me?
FROM$11MONTHLY
Our Student Tenant Insurance starts at just $11/month. We've partnered with many of the top schools in Canada to create a package just for you to make signing up for coverage even more effortless.
We worked with schools and student residence administrators to create a package that is tailored to the needs of full time students, even down to the individual residence. You can select your residence below to get started. Even if we haven't created a custom package with your school (yet), you can always customize your own Student Tenant coverage in seconds.
Get a free quote in less than a minute. Seriously.
What address would you like to insure?
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.
Why choose APOLLO?
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
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 not covered by student tenant insurance?
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.
Can the policy be transferred to a new location?
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.
Does this policy cover all of my belongings no matter what happens?
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.
Is a deductible required for covered losses?
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
Does the policy cover roommates too?
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.
What if the policy is only needed for a month?
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.
What incidents does the policy cover?
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.
Will the building manager automatically receive a copy of the insurance?
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?
Can the policy be canceled at any time?
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.
Is it required to have student tenant insurance?
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?
Is it possible to pay on a monthly basis?
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?
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