Why You Need Tenant Insurance

As a tenant, you are legally responsible for any damage you cause to any part of your building and for unintentional harm caused to others who live in or visit the property. For example:

  • If your known faulty toaster oven starts a fire that damages not only your apartment, but the entire complex, you may have to pay for the damage to your unit and the rest of the complex.
  • If someone slips and falls in your rental condo, you may be held financially responsible for the cost of the injured person’s damages.

If your clothing, furniture or electronics are destroyed by fire or water damage, replacement costs add up.


How Tenant Insurance Protects You

Your Belongings

Protects you financially against insured damage or loss to furniture, clothing and other personal property inside your rental home or vehicle.

Additional Living Expenses

Additional living expenses coverage pays, in certain circumstances, for any necessary expenses incurred while your apartment is being repaired. These include hotel bills, restaurant meals and moving costs. This coverage pays for unexpected expenses when you cannot live in your apartment due to a covered loss. It is subject to certain limits

Liability Claims

Helps to protect you financially if you accidentally cause property damage or bodily injury to othersat home or anywhere in the world.


So it’s important to keep your home inventory up to date. Certain items are subject to limits that can reduce the amount payable. Understand the limitations and exclusions in your policy.

Are you a Landlord?

Renting out your basement? Taking in boarders? If yesm you're a landlord. Even if you are having a friend move in with you temporarily, you should inform our office before altering your living arrangements. This is to ensure you have the right coverage.

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