Landlords often require tenant insurance. Learn what liability, contents, and additional living expense coverage mean before you buy a policy.
Not legal advice. This article provides general information about document types and what they commonly contain. It does not constitute legal advice and is not a substitute for advice from a qualified lawyer. Laws vary by province and your circumstances are unique — consult a legal professional for guidance specific to your situation.
Many leases require tenant insurance before move-in. Policies are usually 10–20 pages of dense wording. Here is what the main sections typically mean.
Covers your belongings if they are damaged or stolen. Check the coverage limit against the value of what you own — especially electronics and furniture.
Protects you if someone is injured in your unit or you accidentally damage another unit (for example, water overflow). Limits are often $1M or $2M.
Pays for temporary housing if your unit is uninhabitable after a covered loss. Note any dollar cap and time limit in the policy.
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