Renter Insurance

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Looking for some quick info? Click on one of the below topics to unpack your Renters insurance!


Belongings & Contents

Contents or belongings insurance is a specific amount to replace your clothes, furniture, TV, appliances, etc. Our personal belongings might cost tens of thousands of dollars to replace. This coverage cannot be removed from your Renter’s insurance policy however you can choose the limit of coverage.

If the building is damaged by fire, it could all be gone instantly. The dilemma arises when your adjuster asks you to provide a list of lost or damaged items when filing a claim. Do what you can to keep a record of your belongings by taking a picture of your closet or a video of you walking through each room. For special items that can’t easily be replaced, ensure you have a more specific record of it for your adjuster as they will likely offer a cash settlement if no replacement can be acquired. Pictures and receipts of purchases are the ideal way to ensure you are adequately compensated in the event of a loss. Click here to see our downloaded checklist to help determine where to start.

What are Increased Limits? Lastly, it’s important to note that for particular items there are limits in place for how much your insurance policy will pay in the event of a loss. Review your wording booklet or ask your broker to review the list of unique items that may be limited for coverage. This can include jewellery, bicycles, books, firearms, fine arts, etc. You may be able to purchase additional coverage with Increased Limits if you find it necessary.

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Tenant Liability

To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential for homeowners because it helps protect them from financial losses that may occur due to a lawsuit. Liability automatically comes with your home insurance, but reviewing your coverage with an advisor to ensure you’re appropriately protected is essential.

While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case ten years ago may have been rare, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.

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Additional Living $$

Ever ponder the consequences of being unable to remain in your dwelling during or after a claim? Additional Living Expenses (ALE), commonly overlooked, may become a go-to if you understand its benefits. Simply, it compensates you for costs due to an insurable incident making your home uninhabitable, forcing you to move out temporarily. Suppose your home becomes unlivable due to a loss covered by your policy (i.e. Fire). In that case, your insurance company will help you maintain your current standard of living by compensating you for any additional expenses you incur. Additional Living Expense coverage helps to keep you from crashing on your friend’s couch while your home is being repaired.

What is covered? The key word here is additional. This coverage is not intended to send you on a mini vacation to the Moose Jaw Spa for a week while your home is being fixed. Your insurance policy is designed to help you maintain the same living standard you experienced before the loss occurred. For example, suppose you must rent an apartment across town after a loss and hire a moving company. In that case, your insurance policy will compensate you for those additional moving expenses. Other expenses that your insurance company might cover include additional rent, restaurant meals, kenneling for your pet, and storage fees.

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Sewer Back-Up

Living in a building with shared plumbing means you can’t predict what may be going down the drain. But when it comes back up, it’s gross.

Root growth, blockages, or even breaks in pipes exiting your property or apartment building can cause backups in kitchens, laundry rooms, or bathrooms. A standard tenant insurance policy doesn’t provide coverage automatically, but you’ll often be able to purchase coverage as a rider to your policy to protect your belongings. Hey remember that additional living expense coverage I mentioned above? How can it only be used for ‘covered perils’? Suppose you don’t have Sewer Back-up coverage on your policy, but your building gets damaged due to water coming up through the pipes causing you to relocate for a while. In that case, you won’t be able to use the Additional Living Expense because the cause of damage wasn’t an insured peril.

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Identity Theft Coverage

Identity theft is becoming more and more prevalent today. From all the information we put on Facebook to someone stealing your wallet or the mail out of your mailbox, there are unbelievable ways they may try to steal your identity. Identity theft coverage is always included on most property insurance policies and will assist you while you repair your reputation.

For example, you can be reimbursed for the costs associated with obtaining cred reports, notarizaing affidavits or other documents used for law enforcement agencies. Replacing your passport, driver’s licence, and any other Government issued ID. The reasonable cost of certified mail, telephone expenses, and facsimile transmissions to businesses, law enforcement agencies, credit agencies and financial institutions. The fees associated with re-applying for loans due to rejection of your original application as the lender received incorrect information. Legal fees incurred for your defence for any claims or suit(s) made against you. Starting to look pretty helpful, isn’t it?

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Disability Insurance

When renting your home, you know better than anyone how important it is to live within your budget. Having Disability insurance could be the difference between maintaining your current lifestyle and struggling to cover the rent when your income stops because of an injury.


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