Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
Read more →Personal Insurance
Renters Insurance
Your belongings and your liability, in a home somebody else owns.
What this cover does
Your landlord insures the building. Nothing in that policy pays for your laptop, your clothes, or a guest who trips in your hallway. Renters cover is the least expensive policy most people will ever buy and the one most often skipped.
Typically included
- Personal property against fire, theft, smoke, vandalism and water damage
- Personal liability if you injure someone or damage their property
- Medical payments to guests
- Additional living expenses if the unit becomes uninhabitable
- Cover for belongings away from home, including in a car or on holiday
Common add-ons
- Replacement-cost contents instead of depreciated value
- Scheduled items for bicycles, instruments, cameras and jewellery
- Identity-theft restoration
- Earthquake or water-backup endorsements where available
Questions
What people ask about renters
My roommate has a policy. Am I covered?
No. A policy covers the named insured and relatives in the household. Roommates each need their own, and that is usually cheaper than adding someone anyway.
Is my stuff covered outside the apartment?
Generally yes, at a reduced limit — a stolen suitcase or a laptop taken from a car normally falls under off-premises cover.
Does it cover my landlord’s property?
Only where you are legally liable for damaging it. Damage to the building itself is the landlord’s policy, unless you caused it.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Condo Insurance
The gap between where the association master policy stops and your front door begins.
Read more →Quote Renters Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.