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If you rent your home, your landlord’s property insurance will not cover your belongings in case of fire, theft, or water damage. Landlord property insurance isn’t responsible for protecting your property. Tenant insurance covers damage and replacement costs to your personal belongings. If you add up the value of your furniture, electronics, computer(s), clothes, and all the other possessions in your home, the value probably comes to much more than you would have estimated. Not having everything protected if something happened could be a disaster. Tenant insurance also provides you with personal liability protection. This coverage protects you against lawsuits for damage you may have accidentally caused, particularly to your building or your neighbours.
Every tenant should have tenant insurance coverage, to protect one’s belongings and against personal liability. Speak to your broker about your current situation and needs, in order to get the right coverage for your rental home.
You aren’t required by law to have tenant insurance, but many landlords will ask you to get coverage before renting to you. Landlords' insurance policies do not cover your personal effects and may not cover your personal liability. So, getting a tenant insurance policy is a safe way to cover all your belongings and liability in case of damage or accidents.
We offer tenant insurance for rental apartments and homes; condos, apartments, lofts, studios micro apartments, townhouses, apartments in high-rises, etc.
A typical tenant insurance does not cover flooding, but we offer an enhanced water damage endorsement that covers accidental sewer backup and overflow of a body of water. Talk to your broker to see if you are eligible to add this endorsement to your policy.
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Find the best tenant insurance coverage for your needs by contacting one of the 2,000 brokerages that we work with. Getting a tenant insurance quote is the first step to protecting what matters most to you.