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The importance of home insurance for tenants

Home insurance for tenants is important and inexpensive. If something were to happen, you’d have protection both for your own property and for any property you could be liable for.


Think you don’t own anything of value, so you don’t need home insurance? If you take a quick inventory of your belongings, you’ll be surprised by their total value. Keep in mind that if something serious were to happen, you could have to replace everything you own, like your furniture, appliances, electronics and clothes.

Coverage in case of damages

It’s important to know that if you caused damages to your apartment or your neighbours’ apartments, and you were found to be responsible, you would have to cover the costs. Tenant’s insurance can give you peace of mind, because it provides protection for the most common risks.

Help with temporary accommodations

Tenant's insurance also covers living expenses if you have relocate after a covered loss. For example, if a fire or flood renders your apartment uninhabitable, you can turn to your home insurance for reimbursement of certain additional expenses while your apartment is being repaired.

Legal liability

You might not know that legal liability applies to all events in your private life, regardless of where you are. That means that if you are responsible for damages at a hotel, at a restaurant or at a friend’s house, the legal liability part of your home insurance covers the damages, based on the coverages included in your policy.

Home insurance for tenants: peace of mind at a low cost

You are not required by law to purchase home insurance for your apartment. But, for a low cost and with the significant repercussions that a loss can have, this coverage could save you a lot of trouble. Take a few minutes to request a tenant insurance quote. A general insurance agent can answer all your questions and offer you a product adapted to your needs.

Looking for advice?

Your home is a big investment for you. Whether you own a house or a condo, one of our advisors can help you find the right home insurance for your needs.

Get a quote

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