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Many renters make the mistaken assumption that they do not need insurance because their landlord already has the property insured. However, the landlord’s insurance only covers the property itself; it does not cover the tenant’s belongings. Nor does it cover the tenant against liability.
While most rental agreements stipulate that tenants must carry renters insurance, most tenants neglect to do so, and leave themselves vulnerable to catastrophic loss due to fire, theft, vandalism, and more.
Why Choose Us
For less than a few coffees a month, you can protect thousands of dollars in belongings. We find the most affordable rates, making essential protection accessible for every renter and tenant.
A tenant’s policy does more than cover your property. It also includes crucial personal liability protection and can cover living expenses if your home becomes unlivable, offering complete security for any renter.
As your broker, we make getting covered simple. We explain your options in plain language and find the perfect renters insurance policy, ensuring every tenant has the right protection when it’s needed most.
Whether you are renting a house, a condo, or an apartment, it is essential to protect yourself, your family, and your belongings with adequate tenant insurance. This insurance will cover you for:
We often hear tragic news stories of condo buildings burning down, where many of the residents were tenants who did not have renters insurance. Their stories are heartbreaking – they have nothing left but the clothes they are wearing and no means to replace their lost clothing, furniture, appliances, nor anywhere to stay. It is all the more devastating to know that, if they had carried tenant insurance, they would be covered for all of their losses, as well as for the expense of immediate alternate accommodations.
Our Insurance Solutions
Protect your valuables from the unexpected. This coverage repairs or replaces your personal belongings—like furniture, electronics, and clothing—if they are stolen, lost, or damaged.
A single accident could be financially devastating. This essential coverage protects you from lawsuits if a guest is injured or you accidentally damage another's property.
If a fire or major leak forces you from your home, this coverage pays for necessary expenses like hotel stays and meals while repairs are made.
Your renters insurance policy can cover everything you own, if you ensure that your policy is tailored to your needs. This usually includes basics, such as clothing, furniture, dishes, small household appliances and electronics, cameras, books, etc. Higher value and specialty items, such as computers, jewelry, personal watercraft, furs, and firearms may also be covered, but do require extended protection coverage. This is why it is important to ensure that you understand your renters insurance policy, so that can be confident the coverage extends to all of your belongings.
Your renter’s insurance will also cover you if you are found liable for an injury to another person, or damage to another person’s property, whether that is your landlord’s property, or somewhere else.
Don’t leave yourself and your belongings vulnerable to loss. Contact Prime Insurance today for renters insurance in Surrey, Vancouver, Langley, White Rock, Delta, Richmond, Maple Ridge, Coquitlam, Burnaby, North Vancouver, West Vancouver, and across the Lower Mainland. We will consult with you and give you a quote for the most affordable renters insurance that will fully cover you and your possessions.
What our Clients Say
Excellent service. Kul was great, very personable. Took the time to look thru my insurance options and even get me extra discounts. Definitely will recommend and use Prime Insurance from now on.
I been using this location for my business for years, great customer service and knowledgeable people.
We have been buying house, car and travel insurance for the last 25 years. Kul is very helpful and knowledgeable. He goes the extra mile to treat his customers, the whole team treats their customers like there own family
I was so pleased with the great service and the advice given to me. I also always recommend them to family and friends. They never disappoint. So hard to come by these days. Probably the best shop in Surrey for insurance.
Excellent services received, attended on time, explain everything for clarification and I felt like a very great valued customer. Will definitely refer and recommend this location to my family and friends. Rating 9/10.
Excellent service. Sharan is very friendly and knowledgeable. Got answers to all my questions. Highly recommend this place.
Our Blogs
From understanding your ICBC renewals to choosing the right home or business insurance, our blog breaks down complex topics into clear, helpful tips
January 18, 2026
January 12, 2026
December 21, 2025
December 3, 2025
October 30, 2025
FAQ’s
Don’t get caught without coverage. Here are clear, simple answers to the most common questions from tenants.
The landlord’s policy only covers the building. Your personal belongings and liability are not protected. Only renters’ insurance covers what is yours.
Yes. The cost to replace everything at once—clothes, furniture, electronics—adds up quickly. The low cost of a policy is worth the protection.
It also covers your personal liability if someone is injured in your unit, and additional living expenses if you’re forced to move out during repairs.
It’s surprisingly affordable, often costing less than a dollar a day. The exact price depends on your coverage needs and location.
No. Your policy only covers you and your belongings. Each roommate needs to have their own separate renter’s insurance policy to be protected.
Yes, in many cases. Most policies protect your personal property, like a laptop or bike, even if it’s stolen from your car or elsewhere.
Get in Touch With Us
We’re open daily to help you find the right coverage or make updates to your current policy.
