Newcomers: 3 things you need to know about tenant insurance

Your arrival in Quebec went smoothly, but you’ve been very busy ever since. You got your driver’s licence, and it’s time to move into your new home.

So you’ve found the perfect apartment for you: congratulations! Your neighbours thankfully lent a hand hauling your fridge up to the third floor. And you even took part in the local tradition: enjoying a pizza (and maybe a cold beer) in your new home after the move. But before you rest on your laurels—or unpack your last box—there’s one more essential item to check off your list: tenant insurance.

1- Insurance for tenants: your belongings are not covered by the landlord

In Quebec, you are not required by law to have tenant insurance. Many people mistakenly believe that their property is protected by the landlord’s insurance. To ensure your property is protected in the event of fire, theft or vandalism, tenant insurance is recommended.

2- Third-party liability: accidents can happen so quickly

Tenant insurance also covers damage you may unintentionally cause to others or to the building. That’s why it’s important to have liability insurance that covers you, at home or away.

3- Additional living expenses: if the unexpected happens

If a fire or flood renders your apartment uninhabitable, you can turn to your home insurance for reimbursement of certain additional expenses, like a hotel room or restaurant meals.

Tenant insurance: well worth it

Great news: you don’t need to have a long credit history or a permanent job to get home insurance. Many insurers offer simple, affordable products tailored to newcomers. A quick phone call or an online application is often all it takes to ensure you’re well protected, for less than the price of a few coffees a month. A tenant home insurance policy covers a range of risks. And given its reasonable cost, it’s impossible to pass it up!

Building a new life in Quebec of course requires careful planning When it’s time for a new home, it’s important to think about tenant insurance. So, are you ready to cross this important task off your list? Nothing could be simpler: get an online quote now and take advantage of the benefits that our home insurance policy has to offer.

Frequently Asked Questions

1. Is tenant insurance mandatory in Quebec?

No, it is not required by law. However, it is highly recommended, as it protects your personal property and covers you in the event of damage caused to others.

2. Are my possessions covered by the landlord’s insurance?

No. Landlord’s insurance covers the building, but not your personal belongings (furniture, clothing, electronics, etc.). For that, you need your own tenant’s insurance.

3. What is tenant’s liability insurance?

This insurance covers damage you could unintentionally cause to other people or their property. For example, if you leave the bath running and the water damages your neighbour’s apartment, your insurance could cover the expenses.

4. What if damages make my home uninhabitable?

Your insurance may cover additional living expenses, such as a hotel room or restaurant meals, if your home becomes temporarily uninhabitable as a result of a covered loss.

5. Can I get insurance even if I’m a newcomer and don’t have a permanent job?

Yes! It’s definitely possible to get tenant insurance even if you don’t have a permanent job or credit history in Quebec. Many insurers offer simple, affordable products tailored to your situation.