So you don’t own your home, your landlord does. That means they’re responsible for insuring the dwelling itself. But does that insurance policy protect you and your personal property? What happens when an accident strikes? This is exactly where a tenant policy can provide you with peace of mind.
So you don’t own your home, your landlord does. That means they’re responsible for insuring the dwelling itself. But does that insurance policy protect you and your personal property? What happens when an accident strikes? This is exactly where a tenant policy can provide you with peace of mind.
Standard Coverage for Tenant
Protection of Personal Property: Your policy will provide coverage to replace your personal items and belongings (i.e. furniture, clothes) in case they are lost, damaged, or stolen.
Protection of Personal Property: Your policy will provide coverage to replace your personal items and belongings (i.e. furniture, clothes) in case they are lost, damaged, or stolen.
Personal Liability: Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
Protection of Personal Property: Your policy will provide coverage to replace your personal items and belongings (i.e. furniture, clothes) in case they are lost, damaged, or stolen.
Voluntary Medical Expense: Covers reasonable medical expenses for people hurt on your property. This coverage is special as it can provide coverage even though you may not be legally liable.
Voluntary Medical Expense: Covers reasonable medical expenses for people hurt on your property. This coverage is special as it can provide coverage even though you may not be legally liable.
Voluntary Property Damage: Covers property damage that you are responsible for others’ property, even though you may not be legally liable.
Voluntary Property Damage: Covers property damage that you are responsible for others’ property, even though you may not be legally liable.
Loss of Use: Pays for additional living expenses if your condo is too damaged to live in during repairs.
Loss of Use: Pays for additional living expenses if your condo is too damaged to live in during repairs.
Property in a Storage Facility: On your property, this coverage will protect contents that are stored in a secure storage facility. It can be extended up to 12 months.
Property in a Storage Facility: On your property, this coverage will protect contents that are stored in a secure storage facility. It can be extended up to 12 months.
Ways You can Save on Your Insurance:
We offer multiple discounts and endorsements that make our otherwise competitive home insurance rates even more affordable.
- Claims free discount
- Non-smokers discount
- Combined policy discount
- Monitored fire & burglary alarm discount
Extra coverages you can add on:
Disappearing Deductible
You can save hundreds of dollars with the Disappearing Deductible added to your policy before you suffer a claim. This endorsement reduces your deductible by 20% for every year you go without a claim. After 5 years without a claim, you’ll pay no deductible. It’s included as part of the Worry Free Bundle.
Sewer Back-up Protection
An important coverage option protecting against sewer back-up water damage. Water damage is currently the claim you’re most likely to encounter as a homeowner, so making sure you have coverage to protect against sewer back-up loss is important.
Overland Water Protection
An important coverage protecting against fresh-water flood. This coverage can be added to policies where sewer-backup coverage is already in place.
Personal Property Claims Protector
Keep your claims-free discount even after your first insurance claim when you have this endorsement already added to your policy. This is part of the Worry-free Bundle.
Identity Theft Insurance
Nobody is prepared for their identity to be stolen, but this endorsement can help you get back to normal as quickly as possible. This endorsement will enhance your credit and debit card coverage, provide lost income protection, and even cover some legal expenses tied to your stolen identity.
Inflation Guard
Keeping your limits of insurance adjusted by inflation. This endorsement automatically tailors your home insurance limits at renewal to keep pace with the rising costs of materials and labour to rebuild your home.
Scheduled Personal Property
Also called a personal article floater. With this coverage, possessions, including jewelry, furs, stamps, coins, guns, computers, antiques, business tools, etc., are covered. Each article is itemized and detailed in the floater, and excluded perils also are outlined. Personal article floaters often do not have deductibles.
Worry Free Bundle
Get the best value from your home insurance by adding this endorsement which combines the Disappearing Deductible and Personal Property Claims Protector.
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