Simple, reliable tenant insurance to fit your life

4.8

Did you know that your landlord’s insurance policy does not cover any of your belongings in the event of fire, theft or damage? That’s why you need tenant insurance. Tenant insurance also covers any damage that you cause to your building, any accidental injuries incurred by visitors, and damage caused by visitors while visiting the property. Our tenant insurance policies have a range of coverage options for you to choose from, and our online self-serving portal allows you to customize your policy to fit your unique needs.

Need assistance? Our online support team is here to help and make sure you have the best coverage for your lifestyle. Quick, easy and online tenant insurance – get insured in minutes!

The cost of your policy will depend on several factors, including the amount of contents coverage you choose, the level of additional living expense coverage, and any optional add-ons you select to enhance your protection.

Tenant insurance explained

You’re responsible for any damage that you cause to your building and for any accidental injuries incurred by someone while visiting the property. So, it’s important to have the right coverage to ensure that you’re protected no matter what happens.

Protection for your belongings

Think about all the things you own, mainly how many boxes it would take to move all your belongings. Throughout the years, that can quickly accumulate. This goes beyond furniture, including electronics, clothing, jewellery, sporting equipment, and other valuables.

Renters need to have the right insurance to cover the expense of replacing their belongings if something happens. Keep in mind, most tenants’ policies have a limit on certain items. For example, if you are into mountain biking and have a high-end bike with accessories, you’ll want to ensure that you select a higher limit to reflect the actual value.

Liability coverage

Another critical aspect of tenant insurance is liability coverage, both for in your home and while you’re away. If an accident occurs and you cause damage to not only your unit but also the rest of the apartment building, you’re covered. For example, If you left something in the oven which led to a fire, you would be responsible for damages caused to any part of the building or apartment complex that you reside in. The same will apply if you are outside of your home and accidentally cause damage to another person or their property.

Living expenses

If something happens to your space and you aren’t able to stay there, your tenant policy will cover the cost of alternative living arrangements over and above your normal costs during this time. It will also cover the additional cost of meals over and above your normal food costs until you’re back home or have access to cooking facilities in your temporary accommodation. Having something happen to your home can be extremely stressful. With tenant’s insurance, it can take away some of that stress to help you get to a sense of normalcy.

Available coverages

Our basic coverage includes protection from:

  • Fire, Smoke, and Explosion: Protects your belongings if they’re damaged by a fire, smoke, or accidental explosion.
  • Impact by Vehicle: Covers damage caused by vehicles hitting your rental home.
  • Riot and Vandalism: Protects your possessions from damage due to riots or intentional acts of vandalism.
  • Bursting Pipes: Offers coverage for water damage caused by sudden pipe bursts or leaks.
  • Windstorm: Provides protection against damage caused by severe winds or storms.
  • Theft: Covers your belongings if they’re stolen, whether at home or while you’re out.

You can also enhance your policy with additional coverages, such as:

  • Electrical Power Surges: Protection for electronics and appliances damaged by sudden power surges.
  • Sewer Backup: Coverage for water damage caused by backed-up sewers or drains.
  • Escape from Sump or Septic System: Covers damage from water escaping a sump pump or septic system failure.

Customize your coverage today and protect what matters most in just minutes.