Even if you rent, your possessions are worth protecting.
You’ve worked hard to create a place you call home. It deserves the worry-free protection of comprehensive tenants’ insurance or renters’ insurance coverage. At Dawson & Keenan, our goal is to tailor coverage to your needs, big or small. We do that by comparing rates and plans from top-rated providers to find you the best value.
What does Tenants’ Insurance & Renters’ Insurance Cover?
The following types of coverage are all part of a comprehensive tenant’s package and automatically included in your policy:
Personal Contents Insurance
Every tenant or renter needs coverage for personal belongings in case of an insured loss such as fire, wind damage, theft, vandalism, or lightning strike, as well as certain other perils.
Personal Liability Insurance
Don’t leave yourself vulnerable to claims and lawsuits for damages to people or property due to your negligence. If someone is injured in your rental space, this coverage will protect you.
Tenants’ Legal Liability Insurance
If an unintentional accident causes damage to your apartment or your neighbour’s apartment, this insurance covers related expenses, including the cost of defending any lawsuits brought against you.
Additional Living Expense Insurance
If you need to move to temporary accommodations, due to damage or loss such as a fire or flood, this insurance will help pay for your additional expenses like hotel bills, food, and moving costs.
Consider Adding: Extra Coverage Options
A variety of optional coverages can be added to your Tenants’/Renters’ Insurance to maximize your protection and minimize your worry. These options include:
- Replacement cost on contents
- Sewer backup coverage
- Increased limits for high valued items (i.e. jewelry, bikes, fine art, etc.)
- Identity theft protection
- Home-based business
- Extension of liability to other locations
Discounts Available for Tenants’/Renters’ Insurance
Be sure to ask your Dawson & Keenan Insurance broker about discounts that can help you save on rates and premiums. A range of factors can help you qualify for a discount, including:
- Multi-policy customers
- Remaining claims-free for a specified time
- Age of policyholder
- Having a fire & burglar alarm
- Stability of residence at same address
- Policy renewal or loyalty
- Being a non-smoker
