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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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 Alberta?
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 Alberta?
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
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.
What's the average cost of tenant insurance in Alberta?
The cost of tenant insurance in Alberta varies based on several factors, including location, coverage amount, and deductible. 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.
For more information, read our article What Is the Average Cost of Tenant Insurance in Alberta?
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.
To read more, read our article What Does Tenant Insurance Cover in Alberta?
Is it mandatory to have tenant insurance in Alberta?
While tenant insurance isn’t legally required in Alberta, 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.
For more information, read our article Is Renters Insurance Mandatory in Alberta?
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.
To read more about your rights as a tenant, read our article What Are My Rights as a Tenant in Alberta?
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 Laws & Lease Requirements in Alberta
If you’re renting in Alberta, you might be wondering: Is tenant insurance actually required? The short answer is no, not by law—but the real answer depends on where you're renting, who your landlord is, and how much risk you're willing to take.
Is Tenant Insurance Legally Required in Alberta?
Tenant insurance isn’t legally required under Alberta law. The Residential Tenancies Act doesn’t mandate it—but that doesn’t mean landlords won’t.
In fact, many landlords now require proof of insurance before handing over the keys—especially in large apartment buildings, newer developments, or properties managed by professional companies.
Landlord Lease Requirements
What Landlords Typically Require
While not law, tenant insurance is often written into the lease. Landlords may require tenants to show:
Personal liability coverage – in case someone is injured or their property is damaged in your unit
Proof of coverage – with the landlord listed as an interested party, so they’re notified if your policy is canceled or lapses
It’s a small step that helps prevent big problems down the line.
Why Alberta Landlords Ask for It
Tenant insurance protects everyone involved:
Renters avoid steep out-of-pocket costs after accidents, theft, or damage
Landlords avoid finger-pointing, legal claims, and coverage gaps when something goes wrong
That protection matters even more in Alberta’s climate, where wildfires, windstorms, and frozen pipes can cause unexpected damage—often affecting multiple units in a building.
Extreme Weather Risks for Alberta Renters
Wildfires in the Foothills and Interior
Alberta has faced some of Canada’s most devastating wildfires in recent years. In 2023, nearly 40,000 Albertans were forced to evacuate due to fast-moving blazes across the province, from Edson and Drayton Valley to Fort McMurray and beyond.
Even if your building isn’t damaged by fire, evacuation orders can still leave renters displaced for weeks, with out-of-pocket costs for hotels, meals, and essentials adding up fast.
That’s where tenant insurance steps in, covering Additional Living Expenses (ALE) when your home is suddenly unliveable.
Windstorms and Hail in Southern Alberta
Chinooks may warm up the winter, but Alberta’s spring and summer storms are another story. Cities like Calgary and Lethbridge have seen destructive windstorms snap trees, down power lines, and tear off roofs.
Alberta is also the hail capital of Canada. In 2020, a single storm in northeast Calgary caused over $1.2 billion in insured damage, smashing windows and damaging buildings across entire neighbourhoods.
Tenant insurance protects your belongings, so if hail or wind damages your unit or causes water intrusion, you won’t be left covering the costs on your own.
Deep Freezes and Winter Pipe Bursts
You don't have to live in Alberta long to realize that winters here hit hard and fast. Sudden cold snaps, often dipping below -35°C, can freeze pipes and flood rental units in hours.
In older or poorly insulated buildings, that means frozen plumbing, broken heating systems, and water damage, often affecting multiple units.
Tenant insurance ensures you’re protected not just from property loss, but also the costs of staying elsewhere while repairs are underway.
The financial impact of Alberta’s extreme weather is growing. In 2023 alone, insured losses in Alberta topped $1 billion, driven by wildfires, hailstorms, and flooding. Nationally, weather-related insurance payouts now exceed $2 billion annually, up from just $600 million a few decades ago.
Tenant Insurance in Action
Fort McMurray Wildfire (2016)
One of the most devastating natural disasters in Canadian history forced over 88,000 people to evacuate and destroyed thousands of homes across northern Alberta.
If you had tenant insurance:
Coverage for hotel stays and temporary relocation
Replacement of belongings lost to fire, smoke, or water damage
Financial support for unexpected living expenses during evacuation
Calgary Hailstorm (2020)
A massive summer hailstorm struck northeast Calgary, damaging homes, vehicles, and rental properties. It caused $1.2 billion in insured losses, making it one of Canada’s costliest weather events.
If you had tenant insurance:
Reimbursement for damaged electronics, furniture, or clothing
Protection from water damage due to broken windows or roof leaks
Additional Living Expenses if your unit became uninhabitable
Edson Wildfires & Evacuations (2023)
Wildfires in Yellowhead County and surrounding areas prompted emergency evacuations, with homes and communities at risk for weeks. Even if fire didn’t reach your unit, many renters had to leave quickly.
If you had tenant insurance:
Hotel or rental coverage while under evacuation
Emergency expense coverage for food, clothing, and transportation
Peace of mind when facing sudden displacement
Spotlight on Alberta’s Most Popular Neighbourhoods
Beltline, Calgary
Who lives here: Young professionals, creatives, students
Rental types: High-rise apartments, co-living spaces, heritage walk-ups
Risks: Package theft, water damage, elevator outages
As one of Calgary’s densest neighbourhoods, Beltline combines convenience with high traffic—and high exposure to risks like burst pipes or stolen deliveries. Tenant insurance protects everything from your laptop to your temporary accommodations during a building repair.
Wîhkwêntôwin, Edmonton
Who lives here: Government workers, students, working couples
Rental types: Apartment towers, older condos, basement suites
Risks: Fire, shared utility issues, liability in multi-tenant buildings
With its mix of older housing stock and shared utilities, Wîhkwêntôwin renters can face unexpected plumbing issues or even fire risks. Tenant insurance ensures your belongings are covered, and protects you if you’re found responsible for damage to the unit or a neighbour’s.
Garneau, Edmonton
Who lives here: University of Alberta students, faculty, young families
Rental types: Older homes, rental suites, walk-up apartments
Risks: Structural damage, theft, shared living liabilities
In this student-heavy zone, high turnover and older buildings increase risks. Tenant insurance offers peace of mind, especially in shared accommodations where accidents and confusion over responsibility are common.
Downtown Red Deer
Who lives here: Municipal workers, tradespeople, newcomers
Rental types: Townhouses, duplexes, low-rise rentals
Risks: Windstorm damage, theft, temporary displacement
For those looking to live a quieter life outside Alberta’s major cities, downtown Red Deer offers a more relaxed pace, without sacrificing access to essentials. But strong wind events and aging infrastructure can make downtown Red Deer renters vulnerable to sudden damage. Tenant insurance covers both your stuff and your stay if you need to relocate during repairs.
Varsity/Brentwood, Calgary
Who lives here: University of Calgary students, staff, young professionals, and roommates in shared housing
Rental types: Basement suites, shared houses, low-rise apartments, purpose-built student rentals
Risks: Kitchen fires, basement flooding, theft, roommate-related liability
Located just north of the University of Calgary, Varsity and Brentwood are rental-heavy neighbourhoods packed with students and shared homes. High turnover and shared living spaces can increase the risk of accidental damage—think kitchen fires, burst pipes, or disputes over who’s responsible for what.
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