Home insurance

Tenant insurance

Coverage options

To help determine what amount of protection is right for you, your insurance broker may ask you to complete A Record of Your Personal Property worksheet designed to help you complete a listing of your belongings, from clothing to major appliances.

Reviewing this list with your broker will ensure that you have enough protection to replace all of your belongings in the event of a major loss.

The following options are available at an additional cost to enhance your insurance coverage:

Earthquake coverage

Coverage is available at an additional premium for loss or damage to your insured property at your premises caused by an earthquake.

Glass deductible option

For an additional premium, you can choose to reduce the deductible for glass breakage to $25 if the renter’s glass coverage has been purchased.

Identity theft coverage

For an additional premium the basic limits can be increased. For details, read our information on identity theft insurance.

Renter’s glass coverage

If you are responsible for glass breakage in the home or suite you are renting, you may purchase this coverage for an additional premium. Coverage is subject to the policy deductible.

Seasonal home coverage

You can add coverage to your tenant policy for your seasonal home and belongings.

Sewer backup coverage

You can purchase coverage for accidental discharge or backing up of sewage or water from a sewer, sump pump, septic tank or eaves trough connected to a sewer.

Special belongings coverage

You may require extra protection on special items such as jewelry, stamp and coin collections, fine arts, boats and motors, etc.