Tenant’s Insurance
Protect your personal belongings and make sure you’re covered for additional living expenses in the event of a fire, break-in, or natural disaster.
We’ve got you covered!
Tenant’s insurance is crucial because it protects renters from financial losses due to unexpected events. It covers personal belongings, offering reimbursement for items damaged or stolen, and provides liability protection if the tenant is responsible for injury or property damage to others. Additionally, tenant’s insurance often includes coverage for additional living expenses, helping with the cost of temporary housing if the rented property becomes uninhabitable. Without this insurance, renters could face significant out-of-pocket expenses in the aftermath of disasters or accidents, making tenant’s insurance an essential safeguard for financial security and peace of mind.
Coverage examples
It’s important to us that every client not only has tenant coverage, but truly understands what it protects—and that it’s tailored to fit their unique lifestyle, belongings, and risks.
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Contents Coverage
Protects personal belongings, such as furniture, electronics, clothing, and other possessions, against covered perils like fire or theft.
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Liability Coverage
Provides protection if the tenant is found legally responsible for injuries to others or damage to their property, whether it occurs within the rented space or elsewhere.
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Additional Living Expenses
Covers the costs of temporary housing and other necessary living expenses if the rented property becomes uninhabitable due to a covered event.
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Scheduled Personal Property
Allows for the specific coverage of high-value items, such as jewelry or art, by listing them separately on the policy.
Are your belongings protected?
We tailor your coverage to fit your unique needs, and make sure you fully understand all your options before investing.
Common questions
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Can I transfer my tenant’s insurance to a new rental property?
Yes, in most cases, you can transfer your tenant’s insurance to a new rental property. Notify your insurance provider of the change in address and any other relevant details.
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How can I save money on tenant’s insurance?
You can potentially save on tenant’s insurance by bundling it with other policies, choosing a higher deductible, maintaining good credit, and installing security features in your rental unit.
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Will tenant’s insurance cover damage to the rental property itself?
No, tenant’s insurance typically does not cover structural damage to the rental property. The landlord’s insurance is responsible for that. Tenant’s insurance focuses on the renter’s personal property and liability.
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How much tenant’s insurance do I need?
The amount of tenant’s insurance needed depends on the value of your personal belongings and your potential liability. Conducting a home inventory and assessing your liability risks can help determine the appropriate coverage amount.
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Is tenant’s insurance mandatory in Manitoba?
Tenant’s insurance is generally not legally required in Manitoba. However, many landlords strongly recommend or may even require tenants to have insurance to protect their personal belongings and liability.
Does this sound familiar?
With all the information out there, it can be hard to know where to start when it comes to insurance coverage. We are here to answer those questions and get you the coverage you need.
You don’t know if you have enough coverage
Our goal is to fully understand your home insurance needs, which means discovering potential vulnerabilities to ensure you have the adequate coverage needed, offering you peace of mind that your home and family are fully protected.
You find yourself asking more questions than your broker does
We don’t offer out-of-the-box solutions and pricing that can be generated from a few standardized questions. We build relationships with our clients and do deep dives into their unique insurance needs, reach out to insurers on their behalf to find the best options possible, and then offer customized solutions.
You don’t actually understand what your policy all covers
We go through all policies in depth with our clients to ensure they fully understand what coverage they are paying for and how it will impact them financially. The strong relationships we build with our clients means we are always available and happy to answer any questions they have on their policies and coverage.
By the way, did you know…
We offer next level insurance support with our in home concierge service
Are you a homeowner with a cottage, boat, ATV, and a love for family winter getaways? We make it easy by coming to you—answering your questions, understanding your lifestyle, and gathering everything needed to secure the right coverage for your unique needs.
Value Added Services
We go beyond insurance by offering value-added services that truly support the way our clients run their businesses. From proactive risk management advice to industry-specific insights and strategic planning support, we strive to bring a level of understanding and partnership that’s hard to find elsewhere. Our goal is simple: to be so valuable, informed, and invested in your success that you can’t imagine operating your business without us by your side.
We are here to help
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Claims
Need to make a claim? Let us help you through the process.
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Questions
Have questions about your policy? Get in touch with us to review your coverage options.
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Immediate help
Our team is available 24/7 for emergency claim services.
(204) 746-2320