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The topic I will be discussing is renters’ insurance, also known as tenants insurance. Think of this as a crash course in everything you need to know. I will be covering everything from what renter’s insurance is, why it is important, what the insurance covers, and how it protects you.

This information will be displayed through videos, images, and useful websites.

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Video 1: Tenant Insurance presented by Insurance Bureau of Canada

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Video 1: Tenant Insurance presented by Insurance Bureau of Canada

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Video one contains information on renters’ insurance. It provides information regarding the personal liabilities that insurance covers, which many people do not consider. An example of this used in the video is an injury of another individual or damages to another unit in which you can become liable and may be required to pay for damages incurred. The renter’s insurance will not only cover the cost of the damages but the defense that may be needed to represent you in court if it comes to that. If you don’t have renters’ insurance, this can become very costly. The video also covers information about personal living expenses. Meaning that if these damages make your home unlivable while repairs are happening, you will need to find temporary housing. If the cost of this is greater than your regular living expenses, this would be covered under your insurance. Also, if there was an emergency that required the evacuation of the premises, insurance would cover the cost of a hotel. Lastly, the video ends with the suggestion of knowing your valuables, and the costs to replace the items.

I chose to include this video on my Padlet because the information contained in the video is very informative and straightforward. It includes factors that some individuals may not take into consideration, such as personal liability and personal living expenses while providing scenarios for each. A piece of information that I found useful in this was how it brought up how renters’ insurance would cover the cost of a lawyer if a situation needed that. That was something I was not aware of but feel better knowing as lawyers are very costly.

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Video 2: Ontario Renters Insurance – Here’s what you need to know presented by Excalibur Insurance Group

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Video 2: Ontario Renters Insurance – Here’s what you need to know presented by Excalibur Insurance Group

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Ontario Renters Insurance – Here’s what you need to know

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Video two contains in-depth detail about multiple different aspects of renters’ insurance. The video asks multiple questions that renters need to consider while renting if a situation were to incur. The questions are as follows; where would you stay? Would you be able to afford a hotel? How would you pay to replace your personal property? It then explains that the landlord’s insurance for the building does not cover any of these things. The video then discusses what renters’ insurance does cover. This includes coverage on personal items lost due to fire, smoke, wind, hail, theft, vandalism, and water damage. Coverage also includes the cost of a hotel, food, and additional living expenses while your home is not livable. Lastly, coverage also includes personal liability coverage, which protects yourself, and members of your family against claims that have been caused by unintentional acts done inside or outside of your home. Along with this, the liability coverage also covers property damage, health care bills, and legal expenses if you were in a lawsuit.

I chose to include this video on my Padlet as it goes in even greater depth than a video one. It covers multiple aspects of the insurance and gets the audience to think of how important insurance is by asking the 3 questions. One piece of information I found useful within the video is the explanation and criteria listed of ways insurance can cover your personal items if they are lost due to fire, smoke, wind, hail, theft, vandalism, and water damage.

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Video 3: How To Find Insurance With A Roommate presented by Square One Insurance Services

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Video 3: How To Find Insurance With A Roommate presented by Square One Insurance Services

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[Guide] How To Find Insurance With A Roommate | Renters Resources

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Video three is interesting as the topic is renters’ insurance with a roommate. It first explains the basics of renters insurance, and that when more people are living in the home, the risks are increased. The video also explains how landlords’ insurance is different from renters, as landlords need insurance to cover the building, the appliances within the building, window coverings, and additional items that tenants may be in use of. The video also explains the criteria that are included in how your personal belongings may be damaged, which that may include earthquakes depending on the policy. The video also debunks myths that individuals have when it comes to renters’ insurance. Things like that if you don’t have a lot of personal belongings, you won’t need the insurance, or that insurance is unaffordable. Also, in the video on the topic of roommates, some insurance provides allow a shared policy that can be split between the individuals. This may seem like a good idea to some, but the video explains why individuals should have separate policies even though they share the home. These reasons include complications with personal losses, claim payments, and simply the chance of not having enough coverage for personal needs.

I chose to include this video on my Padlet as is an interesting choice to think about the option of splitting insurance. Many individuals share their homes, and this video provides great information on why they might or might not want to share their renter’s insurance. One piece of information that I found useful in this video is that when sharing an insurance policy, it makes it more challenging to have full coverage for each person’s individual needs. Each person has different personal belongings at different values, which is difficult to tailor towards when sharing the policy.

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Video 4: Tenant Insurance Vs Landlord Insurance | Who's Covered? Presented by Square One Insurance Services

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Video 4: Tenant Insurance Vs Landlord Insurance | Who's Covered? Presented by Square One Insurance Services

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Tenant Insurance Vs Landlord Insurance: What Is the Difference?

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Video four talks about the differences between renters’ insurance and landlords’ insurance. The video explains in detail what exactly landlord insurance is, and how it just projects the building, furnishing in the building such as a fridge and stove, but not you as the tenant and your items. The video then explains why you as a tenant will want to purchase renters’ insurance while providing multiple reasons and various scenarios that could incur.
I chose to include this video in my Padlet as I think it is important for renters to be aware of the differences between landlord’s insurance vs. renters’ insurance and have a clear understanding of how landlords’ insurance offers no protection to you as the renter. One piece of information that I found useful in this video is that if your unit is fully furnished, each item may be covered under the landlord’s insurance policy as it does not fall under your personal belongings.

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Flood Insurance for Renters | QuoteWizard

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Most renters don’t have flood insurance. Learn whether you need it, what it covers and where to get it.

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This image displays a unit containing multiple common items that an individual might have in their living room. It gives the viewer a visual representation of how each item contains a value to replace by placing a red tag with the dollar sign. The couch is the most expensive to replace.

I chose to include this photo as it allows the viewer to start to think about how in their own homes how much the cost of their belongings, and how many items that they have. It is useful to understand if something were to happen, just how much it would cost to replace each item.

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Millions of Floridians were recently affected by Hurricane Irma. The threat from the storm initiated what is believed to be the largest evacuation in U.S. history and is estimated to have caused nearly $58 billion in damage. The recovery and rebuilding after the storm will take months-if not years-and will place a heavy financial burden on many property owners across the state. The rebuilding process will involve insurance claims, which will help those fortunate enough to have purchased coverage before the storm. After a storm, the spotlight is usually on those homeowners who have purchased homeowners insurance. But what about the more than one-third of Americans who rent? How do they replace their damaged property after a hurricane? The simple answer is renters insurance. Many renters across the state may have purchased renters insurance that will cover damages and expenses incurred from a hurricane and may not even know it. Or some may be on the fence about purchasing the coverage. A review of what typical coverage is provided by renters insurance policy may help relieve some of the financial burden by those who have purchased renters insurance or entice those who have not purchased the coverage to do so before the next storm arrives.

[ Everything you need to know about making a hurricane damage claim.]

What Is Renters Insurance?

A renters insurance policy is a group of coverage designed to help protect you and your belongings when renting a home or property. A typical renters insurance policy includes liability coverage, protection for your belongings, and coverage for additional living expenses, should the home or apartment you are renting become temporarily uninhabitable. Some policies also include coverage for bodily injury and stolen personal possessions, including those stolen from your vehicle.

What Does Renters Insurance Cover?

The coverage provided by renters insurance will vary based on each individual policy. In order to determine exactly what is covered under your policy, it is best to review your policy paperwork or to contact your insurance provider; often, this information can be found online by visiting your carrier's website and signing in. There are, however, three basic areas that most renter insurance policies cover: personal property, liability, and additional living expenses. Personal property coverage will usually cover the cost to repair or replace your belongings, such as clothing, furniture and electronics. Liability coverage may cover repairs if you accidentally damage someone else's property or a guest's medical bills if you are found responsible for their injuries. Insurance coverage for living expenses will cover things like hotel costs in the event your home is uninhabitable, or replace food that may have been spoiled due to a power outage.

What Will Renters Insurance Cover After a Hurricane?

Some frequently asked questions related to coverage provided by a renters insurance policy after a hurricane include:

Are flood losses covered under my renters insurance policy?

Answer: Standard renters insurance policies do not cover flood damage, including damage from a storm surge. Flood coverage requires a separate policy from the federal government's National Flood Insurance Program (NFIP), or from some private insurance companies.

Is property damage from a storm surge considered flood damage?

Answer: In short, yes. Therefore, reimbursement for damage from storm surge would have to come from a flood insurance policy.

Is wind damage covered under my renters insurance policy?

Answer: A standard renters insurance policy covers personal belongings that are damaged by wind from a storm. Damage unrelated to your personal possessions, such as damage to the structure of your rental, should be covered under the building owner's policy.

Does my car insurance cover flood damage?

Answer: Flood damage to vehicles, including flooding from storm surge, is covered if you have purchased comprehensive coverage.

Does my renters insurance cover spoiled food from a loss of power?

Answer: Following a hurricane, some insurance companies may include food-spoilage coverage, usually for a set amount of up to $500 per appliance. To determine if your renters insurance policy includes this coverage, contact your insurance provider.

My home in uninhabitable. Does my renters insurance policy cover temporary living expenses?

Answer: Most renters policies cover additional living expenses-any additional costs over your regular living expenses-when you are displaced from your home by a covered loss and need temporary living arrangements. The amount is usually 20 percent of the total insurance you have on your home. Make sure to keep all of your receipts to document your expenses.

Are my evacuation expenses covered?

Answer: Generally, expense related to evacuation are only covered if there is also damage to your property. Again, it is best to contact your insurance provider to clarify your coverage.

Contact your renters insurance provider to file a claim.

If you have renters insurance and have incurred losses as a result of a hurricane, it may be best to contact your insurance provider to verify the coverage you have purchased. If you have yet to purchase renters insurance, this is a reminder that the Atlantic hurricane season starts on June 1st and runs until November 30 th. In the event you find yourself in a dispute with your insurance company over a claim, it may be best to contact an attorney at Sibley Dolman Gipe Accident Injury Lawyers, PA to help resolve the issue.
Please feel free to contact us with any questions. You can reach us in one of these 4 ways:
Sibley Dolman Gipe Accident Injury Lawyers, PA
800 North Belcher Road
Clearwater, Florida 33765
727-451-6900

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Renters Insurance: Everything You Need to Know after a Hurricane -

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Millions of Floridians were recently affected by Hurricane Irma. The threat from the storm initiated what is believed to be the largest evacuation in U.S. history and is estimated to have caused nearly $58 billion in damage. The recovery and rebuilding after the storm will take months-if not years-and will place a heavy financial burden on many property owners across the state.

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This image displays a possible yet unexpected situation that can happen to any tenant. Flooding. Each belonging is sinking into the water, and the walls are getting water damaged.

I chose to include this image as it allows for the viewer to put themselves into that situation. They can think about what is happening in that image, and what if it was their home and belongings. If they were to think they did not need renters’ insurance this image is sure to change their minds. It is always best to be protected from the unexpected.

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More often than not the landlord's insurance will not provide coverage for your belongings if damaged, or protect you if someone is injured in your home. Also, if you were found liable for damages to the building the landlord's insurance company could sue you to recover the cost of repairing or rebuilding the structure. Tenant insurance can offer you financial protection in these cases and more.

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If you rent, tenant insurance can help you feel secure that your home and investments are protected. Learn more about how tenant coverage works.

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This website is TD Insurance, and it contains basic information about tenant insurance. The website discusses what renters’ insurance is, what the insurance covers, why it is not mandatory but reasons why you should get renters insurance, and lastly, the different coverage that TD offers. The website has direct links to insurance quotes, live chat support, and the option to connect with an insurance advisor.

I chose to include this website on my Padlet as I thought it was a great choice to include a well-known banking company that also provides renters insurance. The website is direct with its information and allows users to get an insurance quote within just a few minutes. One useful piece of information I found on this site was how the site makes a clear bolded statement right at the start of the page that the terms renters’ insurance and tenants’ insurance are the same. Just terms that are used interchangeably. They set things straight so viewers won't be confused.

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SGI CANADA's tenant insurance is about protecting everything in your life that's important to you.

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This website is a Canadian insurance company called SGI Canada. The website includes a detailed explanation of how an insurance package can be built. They offer multiple different options with their renters’ insurance. Firstly, there is basic coverage which includes damages caused by several things. Examples are fire, windstorm, and water escape. SGI also gives you an additional option of comprehensive coverage which includes the replacement of luggage if it is lost by an airline. The website then explains other factors that are included in the renter’s insurance and multiple options for add-on extra coverages. Lastly, the website explains that there are multiple discounts you may be eligible for if you meet any of the criteria.

I chose to include this website on my Padlet as I think it is important for renters to understand details of what an insurance plan can offer and how you can add multiple different things to personalize it. This website lays things out very clearly so you can see what they offer and compare it with different renters’ insurance plans. One useful piece of information I found on this site is how this company displays just how customizable renters’ insurance can be. I found it useful how they listed everything out, especially how you can get comprehensive coverage which would cover the replacement of luggage if it is lost by an airline. For someone who travels that would be very beneficial to have.

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Tenant insurance helps renters protect their valuables and against liability if someone is injured in home. Industry pros explain how tenant insurance works and offer answers to your questions.

Tenant insurance, also known as renters or content insurance, is one of the costs of adulting that seems to have no payback. But the reality is that you can't afford not to have tenant insurance. The cost of a policy (which can range from $15 to $50 a month) is a small price to pay when you consider that it protects your valuables, against liability in case of an accident and, ultimately, your peace of mind.

What is tenant insurance?

In its most basic form, tenant insurance protects you and your personal items if you rent your home. But according to the Insurance Bureau of Canada (IBC), tenants are also legally responsible for property damages-accidental or otherwise-and for any injuries their visitors may suffer. Tenant insurance protects you against that too.

If you cause a grease fire, for example, and there's smoke damage to your apartment, your neighbour's apartment and communal areas outside of your rented space, you'll have to cough up all related expenses. Similarly, if someone slips and falls in your rental, financial responsibility falls squarely on you, not the property owner.

"In the event that someone gets injured or you've damaged something unintentionally, tenant insurance is there to protect you," says Pete Karageorgos, director of consumer and industry relations at the IBC.

Watch: What is Tenant Insurance?

What's included in tenant insurance?

Basic tenant or renters insurance policies typically include three different types of coverage:

Contents: This covers your personal items. Be sure to discuss what items are covered in basic content coverage before purchasing any policy. In some cases, it may not cover all of your valuable items (like jewellery and collections, which are subject to limits).

Liability: Tenant liability insurance protects you if you've damaged property, or an accident occurs in your home and someone is injured. Most basic insurance policies cover $1 million to $2 million dollars in liability if a lawsuit is brought against you. Be sure to confirm liability coverage when looking for insurance. You can always raise or lower it based on your needs.

Additional living expenses: In the event that you have to leave your rental space while it's being repaired, this coverage will pay for additional expenses like hotel bills, meals and moving costs (also subject to limits). The key word here is "additional." This means it will cover anything above and beyond your regular expenses. So, for example, if your rent is $1,500 a month and you now have to pay $2,000 a month to stay in a hotel, your insurance will cover the additional $500 a month.

Get personalized quotes from Canada's top home insurance providers.

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How much is tenant insurance?

Tenant insurance rates vary across Canada, but standard rates fall on the lower end of $15 to $50 per month. Consider that price when looking for a rental, as you will want to factor it into your overall living costs. Having a lot of insurable items and adding on extra coverage is what drives the price point to the higher end.

The price of home renter insurance is determined much by the same questions as home insurance itself. "How old is the building you're moving into? What's the size of the rental? What is the total value of your personal items that you need to be insured? If you have a lot of stuff, the insurance will be more expensive," says Karageorgos.

So if you're renting a two- or three-bedroom apartment versus a one-bedroom, there are likely going to be more belongings to insure. Insurance brokers and agents can help you find the best quote for the most coverage. "The best thing to do is shop around or talk to an insurance broker who can compare prices for you and find the coverage that suits your needs," he adds. ( Read more about the cost of insurance for renters here.)

Actual cash value and replacement value: what you should know

When taking an inventory of the items you'd like insured, you'll be asked whether you would like an actual cash value (ACV) or a replacement value policy. Replacement value policies cost more but allow you to re-purchase the damaged item at its current market value. An ACV policy, on the other hand, takes depreciation of an item at current market value into account; so while you'll get some cash back, it's very unlikely you'll get back the full amount you paid for an item.

How to get tenant insurance

Purchasing renters insurance is pretty simple. First, you can compare quotes by phone, in person or online between different insurance providers or with your broker. If you already have insurance for auto, you can usually bundle your coverage and get a discount too. Once you've found a great policy and signed up, your provider will usually give you a proof of insurance document to provide your landlord.

Get personalized quotes from Canada's top home insurance providers.

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Tenant insurance FAQs

Is tenant insurance mandatory?

Tenant insurance isn't mandatory in Canada, but it's a very good idea. In fact, many landlords make it a condition of rental, in the same way not smoking or no pets can be a condition of rental. That means if you don't comply, you can be evicted. "Landlords want to make sure their tenants and their property are properly protected," says Karageorgos.

Your landlord will likely ask to see a copy of your policy for its policy number and to review the insurance company. Rental property insurance policies are annual, requiring a review every 12 months. Your landlord may ask for a copy on renewal as well. ( Read more about why your landlord may require tenant insurance here.)

Is tenant insurance the same as contents insurance?

Essentially, yes. Tenant insurance, renters insurance, apartment insurance and content insurance are often used interchangeably.

Doesn't my landlord's home insurance protect me?

The landlord's insurance protects the building structure, which includes all structural items that came with your rental unit-from walls and pipes to stoves and bathtubs, but it will not cover your personal belongings, like musical instruments or electronics. It won't cover damage caused by you or your friends, either, and it won't cover injuries that happen to you or your guests inside your rental (personal liabilities). Nor will the landlord pay for you to live elsewhere if repairs are needed.

Does tenant insurance cover water damage?

Not all tenant insurance plans are the same, and some do not cover water damage caused by floods or sewage backup. However, if there is a leak in the unit above that destroys your new leather armchair, tenant insurance usually has you covered. Be sure to ask about water damage when securing a plan.

I need to make an insurance claim-now what?

You'll need a copy of your insurance policy and any other detailed records itemizing your insured belongings. From there, Karageorgos says the process is always the same for everyone: "Document the damage. Take pictures to show what items were damaged and the source of the damage (if you are able). And never throw anything out before calling your insurance company."

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Tenant insurance helps renters protect their valuables and against liability if someone is injured in home. Industry pros explain how tenant insurance works and offer answers to your questions. Tenant insurance, also known as renters or content insurance, is one of the costs of adulting that seems to have no payback.

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Website three covers multiple different aspects of renters insurance that a renter would have questions about. Such as what is renters’ insurance, what is included in basic renters’ insurance, how much renter’s insurance can be, and how to obtain it. The website also includes clickable links to get quotes from the top home insurance providers. Lastly, the website contains a FAQs section to help answer questions that every renter is probably thinking about.

I chose to include this website on my Padlet as it is another informative website on renters’ insurance, and it also contains easy links to get quotes from the top home insurance providers. One interesting piece of information I found is that on the website they talk about actual cash value and replacement value. The example there is a difference between those options, and you get the choice on which one to include on your policy. Replacement value is more costly but you then can re-purchase damaged items at the current market value. On actual cash value policies, depreciation is taken into consideration, meaning you will not get the money back that is current market value.

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Website 4: Fact: too many Canadian renters don’t have tenant insurance – where do you stand?

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Website 4: Fact: too many Canadian renters don’t have tenant insurance – where do you stand?

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You hear the same story time and time again - a fire burns down a house or an apartment building, leaving the tenants with just the clothes on their backs. Not only are the homes destroyed, but many people often don't have tenant's insurance to help cover their property and personal belongings.

You may think renting a property and renter's insurance (also known as tenant insurance) go hand-in-hand. Sadly, that's not the case in British Columbia. According to a study conducted for belairdirect by Substance Strategies,* more than half of Canadian renters (53%) don't have tenant's insurance. And almost a third of those who don't have renter's insurance have never even thought of getting it.

Myths vs. reality

The study also highlighted why people may skip on tenant insurance. Here are some of the myths about renter's insurance that Canadians mistakenly abide by:

Myth - Tenant insurance is costly (40% of respondents say they don't have the means to pay for tenant's insurance)
Fact - At belairdirect, tenant insurance can be as affordable as $16 a month, about the same price as a subscription to an online streaming platform.

The need for more awareness

Of all provinces, our friends in Quebec are the most aware when it comes to understanding the need and importance of property insurance. But elsewhere in Canada, and particularly in B.C., many people still fail to recognize how important it is to be insured as a tenant.

As a renter, take the time to review your choices, ask questions, and select the option that best suits your needs - personally and financially. Once you have tenant's insurance underneath your belt, you can rest easy knowing your personal property is covered from lots of different angles.

Other survey results from the study include:

40% per cent of Canadians don't have a clue about the cost of renter's insurance.

Those surveyed perceive the national average cost of renter's insurance to be $600 a year. Ontarians perceive it to be higher than the national average (at $664/year).

33% per cent of Canadians have already made an inventory of their property.

Those aged 45-54 years old are more likely to take a photo or video of their inventory (46%).

Overall, the property value of the average Canadian is estimated at $15,000.

Young respondents, 18-24 years old, were more likely to have never thought of buying tenant's insurance (41%).

*Substance Strategies conducted the study on behalf of belairdirect. The study was conducted between January 15-25, 2015, with 4,084 Canadians partaking in the study.

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Fact: too many Canadian renters don't have tenant insurance - where do you stand? | belairdirect blog

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You hear the same story time and time again - a fire burns down a house or an apartment building, leaving the tenants with just the clothes on their backs. Not only are the homes destroyed, but many people often don't have tenant's insurance to help cover their property and personal belongings.

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Website four is all about myths vs. reality when it comes to renters’ insurance. The website provides useful statistics on the myths of insurance, and other survey results from the studies that Belairdirect had conducted in 2015. The website also then provides easy access towards getting an insurance quote with Belairdirect.

I chose to include this website on my Padlet as it provides interesting facts found in their studies with renters. There are many interesting facts listed on the website. One piece of information that I found useful within the site is that the average Canadian property value is worth $15,000. Considering it is an average value, and every individual's homes are different, I would still say this number surprised me. I thought it would be a greater value.

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1. What did you learn about your topic that surprised you the most?

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1. What did you learn about your topic that surprised you the most?

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When learning the topic of renters insurance many things surprised me. I was not aware of how much the insurance could cover, especially how it covers situations that can occur even outside of your home. I was also now aware of how customizable the insurance can be, and how there can be an option to split insurance with a roommate. My perspective of renters insurance has been completely changed.

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2. Provide a real-life example of how this topic is relevant or interesting for you.

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2. Provide a real-life example of how this topic is relevant or interesting for you.

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This topic is relevant to me as I do have tenants’ insurance currently. In 2020 I had been shopping around for new car insurance and when signing up for new insurance through Allstate I had switched my renter’s insurance to them as well. This was my first time dealing with any insurance as my partner had dealt with it previously. Working through this assignment made me think about when I was setting up the car and renters’ insurance, and specifically the questions I was asked when it came to our home. I remember being asked how old the building was, how close we were to the fire department, the type of water damage coverage we would need, and if I was a student to get a discount.

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3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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I think the most important thing to pass on is just the importance of renters insurance. It covers a lot of things I believe most people would not be aware of. I would pass on the knowledge I have learned on what exactly basic renters’ insurance covers., while providing different questions renters should ask themselves, followed by some scenarios the videos provided.