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Tenants Insurance Canada

If you leave the tap on and damage the apartment below, who is responsible? If you have tenants insurance Canada, your policy would respond.
The pizza delivery person is knocking at your door. You open the door, letting him into the hall while you get your wallet. As he is entering your home he slips on your door mat and falls flat on his back and bumps his head. He manages to save the pizza, so everything is fine, right? Wrong. Now he can’t work because of a back injury and is taking you to court. What do you do? If you have tenants insurance, you will be covered.

Tenants Insurance: Liability

Now there is a pretty good reason to have tenants insurance. You're liable for anything that happens in your apartment. If your landlord doesn’t salt the walkway in the winter that is his negligence, but if you have unsafe conditions in your own living area, you are responsible if someone hurts himself/herself. If the injury is serious enough, you could end up paying damages in court.
Do you know the value of everything you own? If you lost everything, could you afford to replace it?

Tenants Insurance: Contents

This one seems obvious, but a large number of people who rent don't have insurance to cover the contents in their apartment. Some people really believe their contents are covered under the building owner’s insurance policy this is not the case. If there is a fire or if someone breaks into their apartment, there is no coverage.

Contents outside your home.

Most people don't realize that property insurance covers your stuff even when it's outside your home.

For a minimum monthly charge this could be covered for you. Call us for more information about tenants insurance. Let's say you are transporting your computer to the repair shop and your car is stolen. The computer and any other items not physically attached to the vehicle aren’t covered under your car’s policy. Think about all the stuff that you are keeping in your car… CDs, electronics, golf clubs. All of it is considered “property” in the eyes on an insurance adjuster.