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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4.7 rating
As a tenant in British Columbia, you've worked hard to fill your rental unit with irreplaceable items that make your house a home. But what happens if your most valuable items are damaged or stolen? Whether you're renting an apartment, condo, or house, tenant insurance will protect the contents of your rented home and provide you with valuable peace of mind.
Whether you're nestled in the vibrant cityscape of Vancouver, the historic charm of Victoria, or the picturesque landscapes of Kelowna, tenant insurance is an indispensable safeguard for tenants across British Columbia.
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.
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.
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.
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
What address would you like to insure?
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.
You can choose to pay monthly or save money by paying for the entire year in one easy payment.
As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.
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.
We provide the best value for your money, with more standard coverages built into one low price. Pay less for more coverage.
Our Customer Portal makes it easy to manage your policy online, any time. You don't even need to register! Customer Portal Sign In
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!
We work closely with independent, third party adjusters to ensure claims are handled fairly, ethically and transparently.
Our financial ratings really are top notch. We were rated A by AM BEST, A+ by Standard & Poor's, and AA- by Fitch.
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.
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.
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 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.
Is it mandatory to have tenant insurance in Canada?
While tenant insurance isn’t legally required in Canada, 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.
How much does tenant insurance cost?
The cost of tenant insurance 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.
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.
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.
Thousands of people across Canada trust us every month for tenant insurance
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What address would you like to insure?
4.7 rating
Located on the westernmost coast of Canada, British Columbia is a province known for its stunning natural beauty, diverse landscapes, and thriving metropolitan areas. From the majestic Rocky Mountains to the picturesque coastline and lush rainforests, BC offers a wide range of outdoor adventures and breathtaking scenery. The province is home to vibrant cities such as Vancouver, Victoria, and Kelowna, where you can explore a rich cultural scene, enjoy world-class dining, and experience a thriving arts and entertainment scene. BC is also renowned for its outdoor recreational opportunities, including skiing, hiking, fishing, and wildlife viewing. With a reputation for its friendly and laid-back atmosphere, BC combines urban sophistication with a deep connection to nature, making it an enticing destination for both residents and visitors.