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This image represent the main coverages offer from a tenant insurance  and it is mainly contain, liability and additional living expenses.
The main reason is to select the image, it is describe the coverages in a simple manner and the graphics are also eye caching.

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This image describes the major factors affecting for the renters insurance  premium.
I choose the image, because of the simple graphical representation of the factors which are affecting to the insurance price and it is easy to understand.

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This is a most common website that we can get a online quote for your renting place. By filing out the basic information like your personal details and setting the coverage limit you can see the rates offered by different companies. According to my personal experience it is possible to take a good discount by combining your auto and home insurance policy.
The main reason to choose this website is based on my past experience. It is connected with more than 20 insurance companies and offer the rates instantly and it is more convenient and cost friendly.

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This website refers the page of Canada Bureau of Insurance (CBI). It discussed about the basic standards like the liability coverage and the deductibles. furthermore, it discussed about the factors that affects to the insurance premium and provides useful links for the related topics and it provides sound understanding to the reader about tenant insurance.
I choose the website because of the provision of the standards and guidelines for the reader and it provides many useful links for the related topics and I feel it is mostly for the tenants and there is also a link we can ask questions we have.it is rally unique feature I found among other websites.

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Understanding basic tenant insurance for contents and liability can help you rest easier. As a tenant, you may be liable for any damage you cause to your building or unintentional harm caused to others who live in or visit the property.

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According to the website, it is stated 50% of the tenants do not have renters insurance in Canada. Website recall us a real life incident happened in the parliament street  fire on an apartment building. It shows the risk that we faced without having a renters insurance, specially a place like apartment building and the extra cost we have to bear as a result of the evacuation of the building. One of the main reason it is stated is many renters assume  landlord insurance covers them. The second thing they think about only the material value only, but not the additional expenses.
this is one of the unique website I found on the web which is stated the real life scenario and I feel it is a good way to convince the general public and that is why I have chosen this website.

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One of the first things that often comes to mind after hearing about a fire like the one at 650 Parliament Street - after everyone's safety, of course - is, do residents have insurance?

While speaking with dozens of tenants outside the St. James Town highrise, many told CBC Toronto that they don't have apartment insurance and are worried about where they're going to live now that the Red Cross has stopped providing hotel rooms.

Manisha Masih is one of them. She was put up at the Sheraton Hotel.

"My husband gave me the form to fill in, I forgot to fill it and now we don't have insurance," said Masih. "I don't know what to do."

She said she is hoping to stay with friends, and is looking for a short-term rental.

"It's pretty awful and depressing, physically and mentally. It's a lot of pressure right now," said Masih.

Insurance is more than just your belongings

According to the Insurance Bureau of Canada (IBC), Masih's situation is common: only about 50 per cent of Ontarians who rent have tenant insurance. One of the reasons is many think their landlord's insurance covers them, as well. But the IBC says that's a misconception, because a landlord's insurance covers the structure of the apartment, not the contents within it.

Another reason, says Pete Karageorgos, the IBC's director of consumer and industry relations for Ontario, is people often think about insurance in terms of their belongings being lost to fire, flood or theft. Many renters think their material possessions aren't worth much, so they skip on insurance entirely.

"But there's also coverage for your additional living expenses if you've been displaced from your apartment because of an event like a fire or flood," said Karageorgos.

In the case of 650 Parliament Street, "there could be some residents who don't have fire or smoke damage. But just the very fact that there's no power in the building and the authorities have prohibited access, they need alternate living accommodations and most tenant insurance would cover that," said Karageorgos.

Make sure you can pay the deductible

Sandeep Shah thought the chances he'd have to use his insurance were slim. He got a package that cost him about $20 a month.

"It's a $5,000 deductible. I can't afford to pay that," said Shah. "I even don't spend that much in a month."

Right now, he's staying with friends and says his coverage is confusing. That's a word tenant and landlord lawyer Caryma Sa'd often hears when it comes to insurance.

"People don't understand their policies or the conditions," said Sa'd. "There are three major components to a policy that are worth examining."

Understand what clauses nullify your policy

The first, says Sa'd, is your personal belongings. How much do you want covered and what is the company willing to pay? The second is living expenses while an insured loss is being taken care of and that includes hotel costs. The final category is personal injury and liability - so if someone gets injured inside their apartment or left the tap on and the units below get flooded.

Sa'd says when all is said and done, make sure to read the clauses carefully to see "which conditions would void the policy." Those clauses also vary. For instance, one might not have coverage if they're found to be at fault.

When it comes to choosing the right type of plan, the IBC recommends narrowing down your needs and asking a lot of questions.

"Tenant insurance can be very affordable. Shop around and make sure the package meets your needs," said Karageorgos, adding that policies generally range from a few hundred dollars a year to a few thousand.

The Insurance Bureau of Canada offers free and unbiased advice on all types of insurance.

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What you need to know about tenant's insurance | CBC News

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One of the first things that often comes to mind after hearing about a fire like the one at 650 Parliament Street - after everyone's safety, of course - is, do residents have insurance? While speaking with dozens of tenants outside the St.

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This website provides a complete guide for the renters and it summarizes the main question we have on our mind. It also address the miss concepts  that we have commonly on the mindset as a tenant. According to the website it is low as 200 $ per year and it costs around 17 $ per month.

I think this website provides a really good guidance for the Ontario tenants to have a good understanding about the importance  of having renters insurance. At a glance the content is rally straight forward and easy to understand.

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So you've found a great apartment, condo, or house to rent and you're ready to move in. You've heard of homeowners having home insurance, but what about renters? We've compiled the most frequently asked questions about tenant insurance to help you make an informed decision as a property renter.
What is Tenant Insurance?

Tenant insurance (also known as renter's insurance or contents insurance) is insurance coverage catered to those that are tenants of a property. Typically it includes three parts:

1. covers loss or damage to your property due to a insured risk. Insuring the Contents Insurance actual cash value gives you coverage for the market price of an item had you sold it right before it got damaged, whereas insuring the replacement cost gives you coverage for the cost of replacing an item with a brand new one.

2. Personal Liability Insurance protects you from being liable and having to pay if someone is injured, or their property is damaged, while in your unit. A typical plan covers this cost up to $1 million.

3. Additional Living Expense pays for a portion your living expenses should you need to vacate your unit due to repairs or other insured risks such as flood or fire.

Do I need Tenant Insurance?

If it isn't mandated in your lease, the decision of whether to get tenant insurance is up to you. However, take note that there are a few common misconceptions.

Misconception #1: Your Landlord's insurance has you covered.

Your landlord's insurance will only protect the building itself and the landlord's own personal liability in case someone is injured on the property. Your possessions, any liability claims against you, and your expenses should you be forced to vacate will not be covered by that insurance.

Misconception #2: You don't have enough valuables to justify getting insurance.

People usually think about how many big ticket items they have such as jewelry, TVs, or laptops when debating whether they need tenant insurance. However, if you take a quick look around your apartment you'll soon realize that all of the little things like clothes, kitchenware, and furniture all add up very quickly. What's more, tenant insurance covers more than just your possessions, with the typical plan covering you for personal liability up to $1 million.

How much does Tenant Insurance cost per month in Ontario?

Tenant Insurance is much more affordable than home insurance since it only covers possessions, liability, and additional living expenses.

While your exact rate will depend on the extent of your coverage (does it cover a whole list of risks or only the common ones), the upper limit of your contents insurance (which typically ranges from $30,000 to $100,000), and other factors related to your apartment such as age, location, and the amount of people living there; the cost is around $200 per year or $17 per month in Ontario.

As well, you can lower this cost by combining your tenant insurance with your car insurance, or by opting for a higher deductible on your plan.

How do I get Tenant Insurance?

Almost all insurance companies will offer tenant insurance. If you already have car or home insurance, a good first place to check for tenant insurance is your existing insurance company. Often times you can save money by bundling your insurance with the same company.

Otherwise, websites such as Insurancehotline.com , lowestrates.ca , and are great free resources to compare rates and find the lowest one for your particular financial situation and apartment.

Either way, you'll need to give the address of your apartment, an estimate of the individual and total value of your possessions, your insurance history, and some other basic information in order to get an estimate and eventually pick an insurance plan.

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Tenant Insurance: A Complete Guide for Renters

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So you've found a great apartment, condo, or house to rent and you're ready to move in. You've heard of homeowners having home insurance, but what about renters? We've compiled the most frequently asked questions about tenant insurance to help you make an informed decision as a property renter.

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Under the renters insurance there are two types of things covered. those are property and liabilities. Under the property coverage it covers  personal belongings such as electronic items, jewelries , but it not cover the building. Under liabilities it covers your guests, visitors and  neighborhood.

I choose this video because of the simple explanation of the types of coverages for the tenants and it covers all the aspects of tenant insurance.

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I personally had experience with the choosing my apartment insurance in my first year of the college. nowadays it seems much more easer than past, we can get the online quotes from the insurance companies and it helps to avoid brokers and we can have a much better rates. it is advisable to disclose your personal belonging and valuable items with your best knowledge and keep the proof of record of them.

This video provides a good guidance about the tenant insurance buying.  It is important to shop around few insurance companies and compere the prices of them. I choose the video, because of the simplicity and the relevancy of the selecting an insurance than other videos.

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Some times you might think that your personal belongings are not worth enough to insure and it is wasting the money for tenant insurance , but in fact it helps you to cover your additional expenses for the short term living expenses due to any accidental loss of your rented apartment, basement or the house. Mostly it provide the third party coverage for your visitors and the neighborhood.

I think this website give a good understanding about the reasons of having a tenant insurance and the hidden benefits of it. It mostly talk about the covering additional expenses and other liability coverages.

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Renters insurance is to mainly cover your personal belonging from theft, fire or any other mean of loss or damage occurs accidentally, and insurance is helpful to replace your belonging as much as same before. Even your landlord insured the building, it covers only the building, but not our belongings. It provides safety for yourself as well as your community.

I feel this video provide a good overall understanding about tenant insurance and it is rally simple, but cover all the aspects and that is why I choose this website

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Here you will learn about the tenant (renter's) insurance by the web sites, related videos and picture collection. I hope this content will useful for many students and new immigrants who initially settle as a tenant in Canada.

Thanks for you time
Stay Safe!