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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.
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.
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.
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