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Tenant Insurance Coverage in Winnipeg

Are you looking to rent an apartment or home in Winnipeg? Hillis Insurance Agencies Ltd. offers reliable tenant insurance coverage. Our insurance policies cover the smallest of damages to items like apparel and electronics, and also cover damage to jewellery and liability.

What Is Tenant Insurance?

You might be wondering how tenant insurance benefits you and what it covers. Tenant insurance includes three types of coverage: personal property, liability and additional living expenses. Personal property coverage can go a long way in helping you replace your belongings if they get stolen or damaged.

It is not legally mandated to get tenant insurance in Winnipeg. However, your landlord might require you to purchase insurance before renting an apartment to you. Landlords often have property insurance for the house. It is important to keep in mind that your landlord’s insurance will not secure your own valuables and belongings.

Whether you are renting a home, apartment or condo, tenant insurance can cover accidental damage happening to your possessions. For instance, in the event of an accidental kitchen fire, your insurance cover can help you pay to restore the damage caused by the fire. Here are some of the damages covered under tenant insurance in Winnipeg from Hillis Insurance Agencies Ltd.:

  • Damage caused by fire and smoke
  • Damage caused by water damage
  • Damage caused by theft or vandalism

 

Why Should You Get Tenant Insurance in Winnipeg?

As a tenant, you should create an inventory to get a better idea of how valuable your possessions are. When you are purchasing a tenant insurance policy, it is important to look into expensive personal items that need protection. There are also several ways to reduce your tenant insurance premium.

Read our blog to know more about why tenant insurance is a must-have in Winnipeg.

 

What Is Covered under Your Tenant Insurance?

It is possible to customize your policy depending on your specific needs. Most policies cover the following items:

  • Valuables
    Most policies cover damages caused to personal belongings like furniture, apparel, electronics, ornaments.
  • Personal Liability
    This kind of coverage protects you if a person is injured on your premises or if you accidentally cause injury to them.
  • Additional Living Expenses
    This kind of coverage includes the cost of meals and temporary accommodation if your home is damaged.

You can also get special coverage for special items like fine artwork, heirloom jewellery or articles like engagement rings by paying extra. Depending upon the items that you wish to cover, you will have to pay a premium or yearly fee.

 

What Is Personal Liability?

In the simplest of words, personal liability is coverage for when you accidentally injure someone or they get hurt while in your home. For example, a person getting hurt while slipping on a wet kitchen floor may sue you for damages. Here, personal liability coverage can help take care of the cost of such damages.

Call us to speak to our experts.

 

Why Would I Need Additional Living Expenses Coverage?

In event of a fire or any other hazard, your residence may get damaged. In such a situation, you may not be able to live in your home until it is restored. This situation is where additional living expenses (ALE) coverage comes to your help. Additional living expenses coverage also covers situations where your residence has been damaged by an accident that was not initiated inside your own home. ALE can cover costs like staying in a hotel or rental home including meals.

How Much Tenant Insurance Coverage Do You Need? 

The amount of tenant insurance that you will need depends on a number of factors. While deciding the amount, it is important to consider where you live, how much you can afford, and how much it would cost to replace your personal belongings.


Here are the factors that determine how much tenant insurance you will need:

  • You should create a cost-wise list or inventory of valuables in your home to get a better idea of the total worth of your possessions.
  • When purchasing a tenant insurance policy, you should look into adding endorsements for expensive personal belongings.
  • You can also substantially reduce your insurance premium by taking safety and security measures like installing safety devices.

Reliable Tenant Insurance in Winnipeg

Hillis Insurance Agencies Ltd. is the trusted name in tenant insurance services across Winnipeg.

Call Us Today!

Hillis Insurance Agencies Ltd.

1821 Main St,

Winnipeg, MB R2V 2A2

Serving Winnipeg  & all of Manitoba


Phone: 204-338-7919

Fax: 204-338-7630

Email: kraig@hillisinsurance.com

HOURS

Monday – Friday: 9:00 AM – 5:00 PM
Saturday: 9:00 AM – 12:00 PM (October – May)

Sunday: Closed

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