Tenant Insurance

Yes — your landlord’s policy usually covers the building structure and common areas, but does not protect your personal belongings or provide liability coverage for you. Tenant insurance fills those gaps.

It usually protects your personal property (furniture, electronics, clothing, etc.) from risks like fire, theft, smoke, or certain water damage. It also includes liability coverage (if you accidentally injure someone or damage someone else’s property) and additional living expenses if your unit becomes uninhabitable.

Standard policies often exclude damage from floods, earthquakes, wear and tear, pests, or intentional acts. High-value items (jewellery, art, etc.) may also have sublimits unless you add extra coverage.

Premiums vary based on factors like location, the value of your belongings, deductible, claims history, and type of coverage you choose. Many renters pay a modest monthly fee for coverage that could save them thousands in a loss.

Yes — many policies include “off-premises” coverage which helps protect your belongings when they’re temporarily away from your rental unit (for example, a laptop stolen from your car). However, coverage limits and deductible rules may apply.

We can provide them with tenant insurance to make sure their possessions and personal liability are protected, no matter where they live.