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  • Manage your Insurance policy

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    Get your BC insurance docs in 5 minutes

    Guaranteed acceptance by property managers and landlords across Canada. Credit Check not required

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    Majestic Canadian Rockies and serene lake in British Columbia, representing the natural beauty safeguarded by tenant insurance

    Looking for Tenant Insurance in BC?

    As a renter, you've created a cozy home filled with your belongings. But what happens if your cherished possessions are damaged or stolen? That's where tenant insurance comes in. Whether you're renting an apartment, condo, or house, tenant insurance protects the contents of your rented property and provides you with peace of mind.

    Tenant insurance ⎯ also known as renters insurance, condo tenant insurance, or content insurance ⎯ is essential for anyone who rents their living space. Unlike landlord's insurance, which covers the building itself, 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 Tenant Insurance?

    As a tenant, you have unique insurance requirements that are different from the needs of homeowners. That's why we've tailored our Tenant Insurance coverage for renters like yourself - and you can customize it even more to suit your individual needs. This policy covers three crucial areas: Contents, Additional Living Expenses, and Personal Liability.

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    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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    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.

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    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.

    How much is tenant insurance?


    Our Tenant Insurance starts at just $11/month*. 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

    * Representative sample only, Payment calculation based on a cash price of $116.35 excluding taxes. 12.00% APR

    Get a quote in less than a minute.

    What address would you like to insure?

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    Getting insured is as easy as 1 - 2 - 3

    Tell us (very little) about yourself

    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

    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

    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 for tenant insurance?

    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 tenant 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.

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    4.6 rating

    1,861 reviews

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    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

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    Frequently Asked Questions

    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.

    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?

    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?

    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.

    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?

    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.

    How to Calculate How Much Contents Coverage You Need
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    Helpful articles for BC residents

    British Columbia (BC), located on the westernmost coast of Canada, 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. Here are some essential resources for individuals who are new to BC. These resources cover various aspects, including an introduction to the city and useful tips for planning a smooth relocation.

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    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.