Protect your apartment and your property

Unfortunately, far too many tenants fail to purchase tenant insurance.

How much would it cost to replace all of your possessions at today’s prices? An inventory of your belongings will help you determine how much insurance you need. Make sure you include everything: home décor items, bedding, clothing, even your toothbrush!

As for civil liability, it covers you in case of incidents like your bathtub overflowing and causing damage to your downstairs neighbour’s apartment and the building, or a fire in your building caused by a malfunction in one of your electronic devices.

Are you a condo tenant?

If you rent a condominium, you need a condominium insurance policy, not a tenant insurance policy. Condominium insurance provides specific types of coverage that you need.

Take advantage of discounts

There are several ways you can lower your premium:

  • Group your auto and home insurance together
  • Increase your deductible
  • Tell us what you do for a living; some professions are eligible for discounts
  • Make your home smoke-free
  • Install a fire and theft alarm system in your home

Did you know?

You could save money by reassessing your need for specific insurance. Make sure your specified perils coverage isn’t more than you need. Over time, some of your belongings may have depreciated in value. If this is the case, you may no longer need specific coverage for these items.

FAQ

I work at home (daycare owner, dressmaker, home office worker, etc.). Am I required to advise my insurance representative?

Yes, since you work from home (professional activities), certain exclusions and/or restrictions will apply to your insurance coverage. Additional information will be needed to ensure your property is properly protected and that you have the appropriate civil liability coverage.

I do volunteer work for a non-profit organization. Am I covered in the event of a lawsuit?

No, not by your home insurance policy. However, you can obtain coverage through umbrella liability insurance.

What happens if I fail to notify my representative of a change?

It is important to notify your insurance representative of any change (e.g., change in use, major renovations, addition of a wood-burning stove) to ensure you have adequate coverage. If you omit information or make a false statement, your insurer could cancel your insurance policy or refuse your claim.